9 Computer programs, downloadable computer programs and mobile device software for use in making and processing secure online and mobile financial payments, for receiving and distributing funds, for processing electronic payments, for processing credit card, debit card, prepaid card and electronic check transactions, for transmitting, processing and facilitating credit card, debit card, prepaid card, electronic check and information and transaction and payment information, for foreign exchange payment processing, for bill payment processing and transaction services, for reconciling invoices and payments, for maintaining virtual accounts and prepaid cards, for storing and transmitting credit, debit and prepaid card and other payment and transaction information, and for verifying payment and or funds