"electronic financial platform that accommodates multiple types of payment and debt transactions in integrated mobile phones, portable media players, mobile devices and web based environments;"

• Facebook has talked about banking functions through their system..i.e.s

http://www.finchannel.com/Main_News/Geo/94431_Money_Transfer,_the_New_Function_of_Facebook,_Has_Lots_of_Users_says_Liberty_Bank/

https://www.keypointcu.com/personal/personal-detail-2.aspx?id=66