N NOVENTIS

Electronic payment services involving electronic processing and subsequent transmission of bill payment data; providing electronic processing of electronic funds transfer, credit card, debit card, prepaid cards, electronic check and electronic payments; payment processing services accessible by means of a downloadable mobile application; payment processing services accessible by means via a global communications network; bill payment services; financial services in the nature of electronic accounts receivable collection services; providing secure commercial transactions and payment options using a mobile device at a point of sale; payment processing services, namely, debit card transaction processing services