Broad based financial services, namely, banking, bill payment and presentment services, credit card services, debit card services, charge card services, pre-paid card services offered through cards with stored value, electronic credit and debit transactions, cash disbursement, cash replacement rendered by credit card and debit cards, electronic cash transactions, check verification, check cashing, deposit access and automated teller machine services, point of sale and point of transaction services, transaction authorization and settlement services, electronic payment processing services, credit card and debit card verification, payment transaction authentication and verification services, facilitating person-to-person payment services through electronic means via a global computer network; value exchange services, namely, secure electronic cash transactions and electronic cash transmissions, over public computer networks to facilitate electronic commerce; electronic funds transfer, stored value smart card services and electronic cash services, namely, currency exchange in a secure environment over global electronic communications networks, providing financial information, namely, credit and debit card data and reports, travel insurance underwriting services, financial records management, electronic funds transfer and currency exchange services, financial assessment and risk management services for others in the field of consumer credit; credit management services, dissemination of financial information via a global computer network, financial information rendered by computer by means of a secure information computer network and advisory services regarding all of the foregoing services; financial analysis and consultation, namely, providing a wide range of information and analysis to financial institutions by electronic means in connection with credit cards, debit cards and other payment cards, marketing data, cardholder spending, fraud, risk management, terminated merchants and reporting of charge backs on credit cards