Broad based financial services, namely, banking, bill payment and presentment services, credit card services, debit card services, charge card services, pre-paid card services offered through cards with stored value, electronic credit and debit transactions, cash disbursement, cash replacement rendered by credit card and debit cards, electronic cash transactions, check verification, check cashing, deposit access and automated teller machine services, point of sale and point of transaction services, transaction authorization and settlement services, payment processing services, credit card and debit card verification, payment transaction authentication and verification services, facilitating person-to-person payment services through electronic means, value exchange services, namely, the secure exchange of value, including electronic cash, over public computer networks to facilitate electronic commerce; electronic funds transfer, smart cards and electronic cash services, namely, currency exchange in a secure environment over global electronic communications networks, providing credit and debit card data and reports, travel insurance underwriting services, financial records management, electronic funds transfer and currency exchange services, financial assessment and risk management services for others in the field of consumer credit; credit management services, dissemination of financial information via a global computer network, financial information rendered by computer by means of a secure information computer network and advisory services regarding all of the foregoing services