Integrated services of mobile electronic wallet and mobile payment, namely, electronic transfer of funds and processing electronic funds transfer via a vehicle's audio video navigation system; providing access to wireless internet for making electronic payments via a vehicle's audio video navigation system; in-vehicle transaction verification services, namely, payment verification services; transmission of membership benefit messages via applications for smart phones, concerning in-vehicle simple payments; providing access to e-commerce platforms on the Internet through a vehicle's audio video navigation system; electronic order transmission services internet through a vehicle's audio video navigation system; wireless communication network services for vehicles for the transmission of data for in-vehicle simple payments; electronic bill payment services over the internet through a vehicle's audio video navigation system; none of the foregoing for use in connection with facilitating auto loan payments