Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; Payment and funds verification services; Financial analyses; Financing services; Banking services; Credit consultation; Credit risk management; Credit and financial consultation; Credit counseling services; Evaluation of credit bureau data; Credit scoring services; Credit rating services; Credit building services, namely, providing personal loans and lines of credit for improving credit history and credit profiles for consumers; Providing financial risk management services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network; Issuing credit cards; Processing of credit card payments; On-line banking services featuring electronic alerts that alert credit and debit card users when a single transaction exceeds a certain amount