Broad-based financial services, namely, banking services, bill payment services, electronic payment, namely, electronic processing and transmission of bill payment data, credit card services, debit card services, charge card services, pre-paid purchase card services, namely, processing electronic payments through pre-paid cards; electronic credit card and debit card transactions; electronic funds transfer; stored value smart cards for use in financial transactions and electronic cash transaction services, namely, currency exchange services in a secure environment over global electronic communications networks, or via telecommunication, mobile or wireless devices; electronic cash transactions; electronic payment processing services; processing of financial transactions online via a global computer network or via telecommunication, mobile or wireless devices; payment card services offered by means of radio frequency identification devices, namely, processing electronic payments made through credit cards, debit cards, and prepaid cards; payment transaction authentication and verification services; dissemination of financial information and electronic payment data via a global computer network or via telecommunication, mobile or wireless devices; financial information rendered by computer by means of a secure information computer network; providing credit and debit payment data and reports