Payment cards, prepaid cards, stored value cards, plastic cards with electronic media mounted therein used by consumers for purchasing goods and services, payment cards linked financially to a consumers e-wallet (electronic money or stored value) account for purchasing goods and services at physical locations and online

Facilitating merchants (businesses), utilities and service-providing organizations to receive payments from various payment providers; financial services for allowing merchants resident in and selling goods and services from a first country to sell such goods and services to consumers resident in other countries and for residents in one country to purchase goods and services from merchants in another country; payment card services, namely, providing the use of a payment card for purchasing goods and services at point of sale and online wherein funds for such purchases come from an electronic stored value account, savings account, credit facility or other facility; pre-paid card services and stored-value card services, namely, card services only for owners of internet-based, on-line accessible, electronic money accounts, or credit-type accounts, whereby a payment card, pre-paid card or stored value card is used to purchase goods and services from physical merchants and online merchants, all funds used in such purchases being debited from the user's electronic money account; virtual card services for owners of internet-based, online accessible, electronic money accounts, or credit-type accounts whereby a computer program provides the consumer with a virtual payment card having a one-use-only payment card number, for use in purchasing goods and services online, by mail, and by telephone, all funds used in such purchases being debited from the user's electronic money account or credit-type account; money transfer services, namely, transferring funds from person to person; transferring funds from one owner of an e-wallet account or credit-type account, to another owner of an e-wallet or credit-type account