financial services offered via a global computer information network and via retail sales and telemarketing channels, namely, secure processing, transferring, clearing and settling of electronic and traditional retail and telemarketing commerce transactions and other financial transactions that are conducted through the use of credit cards, debit cards, stored value cards, scrip and financial payment plans, including optional preset spending limits and embedded personal account profiles and personal identification numbers; secure storage, retrieval and updating of personal account profiles used to process electronic commerce transactions over a global computer information network and in traditional consumer retail and telemarketing credit transactions