Financial services, namely, providing credit card, debit card, charge card and stored value smart cards, prepaid telephone calling card services, cash disbursement, and transaction authorization and settlement services; 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 communication networks; the provision of authentication and verification of secured value exchange transactions over computer network including the global electronic communications network