36 Electronic payment services involving electronic processing and subsequent transmission of electronic bill payment data used to transfer value and value equivalents, namely, cash, credit card points, and store credits, to mobile devices used at a point of sale and accounts being digital wallets from other mobile devices used at a point of sale, accounts being digital wallets; financial services, namely, electronic funds transfer, said funds being in the form of credit card points, and store credits to plastic credit and debit cards, access devices, namely, mobile devices used at a point of sale and accounts being digital wallets from other credit and debit plastic cards, access devices, namely, mobile devices used at a point of sale, and accounts being digital wallets; financial services, namely, money transfer services, electronic funds transfer services, bill payment services, bill payment in the form of processing digital currency payments to third parties, electronic credit card and debit card transaction processing services, facilitating cash withdrawals from and cash deposits to plastic cards, access devices, namely, mobile devices used at a point of sale, and accounts being digital wallets; and value exchange services, namely, secure electronic cash transactions used in electronic commerce