36 Financial services, namely, electronic funds transfer; clearing and reconciling financial transactions via a global computer network and wireless networks; providing a wide variety of payment and financial services, namely, credit card payment processing services, issuing credit cards and providing personal and business lines of credit, electronic payment services involving electronic processing and subsequent transmission of bill payment data, bill payment services with guaranteed payment delivery, all conducted via a global communications network; credit card and debit card transaction processing services; providing electronic payment and financial services involving electronic processing, reconciling, and subsequent transmission of invoice payment data; credit card transaction processing services; credit services, namely, providing revolving credit account services; bill payments services; financial transaction services for others in the nature of providing secure commercial transactions and payment options using a mobile device at a point of sale; credit card transaction processing services and payment processing services in the field of credit card payments and electronic payments; electronic foreign exchange payment processing, and payment processing services, namely, providing virtual currency transaction processing services for others