Financial services, namely banking and credit services; providing credit card, debit card, charge card and stored value prepaid card services, stored value electronic purse services; providing credit, debit, and checking and savings accounts via radio frequency identification transponder devices, via wireless networks, and via global computer networks, all without the use of a physical payment card; providing electronic funds and currency transfer services; electronic payments services, namely, electronic processing and transmission of bill payment data; prepaid telephone calling card services, cash disbursement services, and transaction authorization and settlement services; travel insurance underwriting services; check verification services; issuing and redemption services all relating to travelers' checks and travel vouchers; financial advisory services and consultation relating too all the aforesaid services