Broad based financial services, namely, banking, [ bill payment, credit card services, ] debit card services, [ charge card services, ] pre-paid card services offered through cards with stored value, reloadable pre-paid stored value card services, electronic [ credit and ] debit transactions, cash disbursement, [cash replacement ] rendered by credit card and debit cards, [ electronic cash transactions, automated teller machine services, ] point of sale and point of transaction services, transaction authorization and settlement services, electronic payment processing services, [ credit card and ] debit card verification,[ payment transaction authentication and verification services, facilitating person-to-person payment services through electronic means via a global computer network; value exchange services, namely, secure electronic cash transactions and electronic cash transmissions over public computer networks to facilitate electronic commerce;] electronic funds transfer [ stored value smart card services and electronic cash services, namely, currency exchange in a secure environment over global electronic communications networks, providing financial information, namely, credit and debit card data and reports, financial records management, electronic funds transfer and currency exchange services ]