36 Providing financial services with encoding and decoding data barcodes; Credit card services; debit card services; charge card services; clearing and reconciling financial transactions via a global computer network; home banking; banking services over a global computer network; financial consultant; exchanging money; financing services; issuance of credit cards; lease purchase financing; charitable fund raising; financial services, namely, providing bank card service; providing a searchable on-line database featuring goods and services of others in the field of finances, insurance, banking, and real estate; commodity trading for others; providing, transmitting, processing, facilitating, verifying, and authenticating mobile payments, and contactless financial transactions with retailers, merchants, and vendors via mobile and wearable devices integrated with one,two and three dimensional barcodes; processing and administration of mobile payments and contactless financial transactions with retailers, merchants, and vendors via mobile and wearable devices integrated with one,two and three dimensional barcodes