Providing multi-functional secure payment services for open and closed electronic payment transaction networks, namely, bill payment services, money transfer, payment gateway services being processing credit card and debit card payments, electronic processing of mobile wallet payments, providing secure payment options using a mobile device at merchant points of sale, and issuing closed loop payment cards being debit cards, credit cards and store value cards

Robotic guidance systems comprised primarily of computer hardware and software for use in monitoring and controlling industrial robots and electronic control systems for industrial robots