Check verification, credit recovery and collection services; check authorization services; check acceptance services; check payment guarantee services; electronic check cashing services; credit card payment processing and automatic bill payment deduction services; providing electronic processing of credit card transactions and electronic payments via a global computer network; merchant services, namely, payment transaction processing via form factor devices employing contactless or magnetic stripe technologies; providing electronic processing and wireless electronic processing of check, credit, debit and stored value card payment transactions; electronic bill payment services, namely, electronic processing and transmission of bill payment data; bill payment services allowing consumers to pay for goods and services by credit, debit or stored value card or check at the point of sale, over a global computer network; automatic teller machine (ATM) and debit card transaction processing services; financial management services, namely, account management, debt collection, remittance and retention services; clearing and reconciling financial transactions via a global computer network, namely, capture, debt settlement, and credit reporting; chargeback recovery services and payment verification services; banking services, namely, bill payment services, credit card account management, credit card account summary and credit card account transfer over a global computer network; online banking services, namely, implementation and management of online banking systems for financial institutions; account services, namely, providing financial information from databases and live operators for financial institutions and merchants by means of telephone and over a global computer network; credit and financial risk management, analysis, and assessment services; providing interactive databases in the field of financial management, namely, credit card management and authorization; providing an on-line, interactive computer database in the field of financial information regarding credit and debit card holders, credit and debit card accounts, and credit and debit card transactions; providing an online computer database in the field of financial information, which enables merchants to access and download check, credit card, debit card, stored value card and electronic benefits transfer card transaction information and payment related data; providing interactive computer databases in the field of checking services, used for data analysis and producing a decision code for check-related transactions and check authorizations; providing online interactive computer databases in the field of payment processing, used for online authentication and online payment; providing interactive databases featuring financial transaction data and financial customer data; financial forecasting services; financial research services; financial services, namely, currency conversion services that allow the customer to pay for goods in the currency of their choice and allow the merchant to receive payment in the currency of their choice; providing financial risk management services for electronic funds transfer, credit and debit cards and electronic check transactions via a global computer network, namely, prevention, detection and recovery of financial losses; issuing credit, prepaid debit, and stored value cards; financial portfolio management, namely, commercial card portfolio management services; tax payment processing services; insurance administration services, namely administration of a healthcare card account and benefits tracking system that enables multiple fund balances for medical benefits accounts, namely, health savings accounts, flexible spending accounts and health reimbursement accounts to be accessed via a single card that can also serve as a medical identification card; insurance claims administration, namely, validation of charges for insurance claims for the healthcare industry