Banking services; financial services, namely, banking services, credit and debit card authorization, verification, transaction processing and payment processing services; electronic payment processing services; financial transaction services, namely, providing point of sale financial commercial transactions via wireless devices, handheld electronic devices, and mobile devices, namely, mobile phones and smart phones; providing payment processing services, namely, credit and debit card transaction processing via wireless devices, handheld electronic devices, and mobile devices, namely, mobile phones and smart phones