Financial and monetary services; internet commerce services in the nature of electronic commerce payment services; establishing funded accounts used to purchase goods and services on the internet; electronic account services; providing online stored value accounts in an electronic environment; prepaid banking and online cash account services; financial transaction services involving payments to online and offline retailers, merchants and content providers using cash account information stored in a centralized database; electronic funds and currency transfer services; transaction authorization and settlement services; cash disbursement services; financial services for funding online cash accounts from prepaid cash cards, bank accounts and credit card accounts; distribution and issuing of debit cards, prepaid telephone calling cards, prepaid cards, stored value cards, prepaid and controlled-spending cards for purchasing retail goods and services, gift cards, fuel cards, payroll cards, commission cards, rewards cards, frequent buyer and buyer loyalty incentive cards. ATM transaction authorization and processing, innovative mobile banking features; provided by means of a global computer network, cell and telephones and/or the Internet