Financial services, namely, transfer of funds via electronic communication networks; electronic funds transfers; credit and debit card services; bill payment services; funds remittance services; mobile financial services, namely, mobile banking, bill payments and electronic funds transfers; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; credit card, debit card and charge card transaction processing services; electronic credit and debit transaction services; financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; providing electronic processing of credit card and debit card transactions and electronic payments via a global computer network