Automated Clearing House (ACH) transaction processing services; Bill payment services; Clearing and reconciling financial transactions via a global computer network; Credit card payment processing services; Credit card transaction processing services; Debit card transaction processing services; Electronic cash transactions; Electronic payment services involving electronic processing and subsequent transmission of bill payment data; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; Merchant banking services; Merchant services, namely, payment transaction processing services; Payment processing services, namely, credit card and debit card transaction processing services; Providing electronic processing of ACH and credit card transactions and electronic payments via a global computer network