PAYMENT PROCESSING FACILITIES AND PAYMENT SERVICE PROVIDER SERVICES TO ON-LINE AND OTHER MERCHANTS, NAMELY, PROCESSING PAYMENTS MADE BY CONSUMERS TO MERCHANTS THROUGH ON-LINE COMPUTER NETWORKS, CALL CENTERS AND AUTOMATED TELEPHONE LINES; PURCHASER TRANSACTION VERIFICATION FOR E-COMMERCE TRANSACTIONS; STORED-VALUE ACCOUNT PROCESSING, NAMELY, PROVIDING CONSUMERS WITH AN E-WALLET ACCOUNT FOR USE IN MAKING SECURE ONLINE PAYMENTS TO MERCHANTS FOR FUTURE PURCHASES; CURRENCY CONVERSION, NAMELY, PROVIDING MERCHANTS WITH THE ABILITY TO CONVERT CONSUMERS' PAYMENTS IN OTHER CURRENCIES, TO THE BUSINESSES' PREFERRED CURRENCY AND TO INFORM THE CONSUMERS OF THE CONVERSION RATES USED AT POINT OF SALE; AND MERCHANT BUREAU SERVICES, NAMELY, FACILITATING MERCHANTS TO RECEIVE PAYMENTS FROM VARIOUS PAYMENT PROVIDERS THROUGH RECOMMENDING THEM AND PROVIDING INDEMNITIES TO BANKS