Broad based financial services, namely, banking, [ bill payment services, credit card services, ] debit card services, [ charge card services, ] pre-paid card services offered through cards with stored value, reloadable pre-paid card services, namely, processing electronic payments made through pre-paid cards, electronic [ credit and ] debit transactions, [ cash replacement rendered by credit card and debit cards, electronic cash transactions, automated teller machine services, credit card transaction processing services; ] electronic payment, namely, electronic processing and transmission of bill payment data; [ credit card and ] debit card verification, [ payment transaction verification services, facilitating person-to-person payment services through electronic means, namely, electronic processing and transmission of person-to-person bill payment data; value exchange services, namely, secure electronic cash transactions to facilitate electronic commerce; ] electronic funds transfer, [ stored value smart card services and electronic cash services, namely, currency exchange in a secure environment ]