Electronic funds transfer and payment transaction processing in the nature of merchant services; payment processing and verification services for mobile payments, contactless credit and debit card transactions, loyalty reward card transactions, and bill payment transactions with retailers, merchants, and vendors; providing credit and debit card payment processing information by electronic means

Electronic signature verification services using technology to authenticate user identity for authenticating mobile payments, contactless credit and debit card transactions, loyalty reward card transactions, and bill payment transactions with retailers, merchants, and vendors; data encryption services for ensuring the security of contactless transactions with retailers, merchants and vendors, mobile payments, and of credit and debit card information