Financial services, namely, payment clubs featuring electronic credit and debit transactions processed over mobile phone and internet networks, cash disbursements, namely, authorizing cash advances over mobile phone and internet networks, cash replacement rendered by credit and debit accounts over mobile phone and internet networks, electronic cash transactions, deposit access, namely, electronic remote check deposit services rendered via mobile phone and internet networks and 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 account verification, payment transaction authentication and verification services, facilitating person-to-person payment services through electronic means via a plurality of networks, namely, mobile phone and internet networks; value exchange services, namely, secure electronic cash transactions and electronic cash exchange transactions over mobile phone and internet networks to facilitate electronic and/or mobile commerce; electronic funds transfer, stored value services and electronic cash services, namely, currency exchange in a secure environment over a plurality of communications networks, providing financial information, namely, credit and debit card data and reports