Issuing pre-paid vouchers exchangeable for goods or services; payment transaction authentication and verification services; brokerage for hire-purchase; payment and receipt of money as agents, namely, money transfer services and payment transition processing services; providing rebates at participating establishments of others through use of a membership card; issuance of mobile discount coupon, namely, loyalty coupon payment processing services; finance settlement services of porterage via wireless terminals; issuance of electronic payment cards in connection with customer loyalty schemes; issuance of cyber money of value; providing multiple payment options by means of customer-operated electronic terminals available on-site in retail stores; financing of consumer purchases; issuance electronic coupons in the nature of tokens of value via smart phones; electronic payment services involving electronic processing and subsequent transmission of bill payment data; bill payment services provided through a website; bill payment services provided via an electronic wallet; processing of electronic wallet payments; provision of information in the field of financing via electronic wallet; electronic payment for others, namely, electronic processing of insurance claims and payment data; electronic payment services involving electronic processing and subsequent transmission of bill payment data; processing payments for the purchase of goods and services via an electronic communications network