financial services, namely, providing credit card, debit card, charge card and stored value smart card services; electronic funds and currency transfer services, electronic payments services; cash disbursements services, and transaction authorization and settlement services; value exchange services, namely, the secure exchange of value, including electronic cash, over public computer networks to facilitate electronic commerce; electronic funds transfer, smart cards and electronic cash services, namely, currency exchange in a secure environment over global electronic communications networks; the provision of authentication and verification of secure value exchange transactions over computer networks including the global electronic communications network