Broad based financial services, namely, banking, bill payment services, credit card services, debit card services, charge card services, pre-paid purchase card services, namely, processing electronic payments made through prepaid cards, electronic credit and debit card transactions, 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, electronic payment processing services, credit card and debit card verification, providing user authentication services in e-commerce transactions, facilitating person-to-person payment services through electronic means via a global computer network; value exchange services, namely, secure electronic cash transactions and electronic cash transmissions, over public computer networks to facilitate electronic commerce; electronic funds transfer, stored value smart card services and electronic card services, namely, currency exchange in a secure environment over global electronic communications networks, providing financial information, namely 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, providing financial information via a website on a global computer network, financial information rendered by computer by means of a secure information computer network, and consultation provided in connection with all of the foregoing services