Application services, namely, hosting and providing computer software applications for providing access to financial and payment services via dial-up phone line, wireless and global communications networks; enabling and processing financial and payment transactions, transmitting data and communications related to financial and payment transactions, and enabling automatic teller machines and other terminals to engage in all of the above; providing electronic processing of financial and payment transactions; transmitting data and communications related to financial and payment transactions; pre-paid purchase card services, namely, processing electronic payments through pre-paid cards; electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the Internet; providing access to to surf the internet and make electronic commerce transactions via the internet through automatic teller machines and other electronic terminals