36 Providing financial services with encoding and decoding data barcodes, namely, financial information processing; charge card verification, authorization and payment processing 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; lease purchase financing; charitable fund raising; financial services, namely, providing bank card services, namely, electronic debit card transaction processing; commodity trading for others; processing, facilitating, verifying, and authenticating mobile and wearable device payments, and contactless financial commercial transactions with retailers, merchants, and vendors via mobile and wearable devices integrated with one, two, three dimensional barcodes and other machine readable codes; processing and administration of mobile payments and contactless financial commercial transactions with retailers, merchants, and vendors via mobile and wearable devices integrated with one, two, three dimensional barcodes and other machine readable codes; payment transaction processing services, namely, facilitating payment transactions for third parties through the use of near-field communication devices, radio frequency identification devices, EMV chip card devices, beacons, proximity sensors, wireless, bar codes, and mobile wallets; coupon and loyalty program payment processing; coupon and loyalty programs, namely, providing cash and other rebates for credit card use as part of a customer loyalty program