Secure electronic cash transactions over computer networks to facilitate electronic commerce; processing of financial credit card, debit card, prepaid card, and payment card transactions online via a global computer network or via telecommunication, mobile or wireless devices; providing financial information via a global computer network or via telecommunication, mobile or wireless devices; financial services, namely, credit card, debit card, prepaid card, and payment card payment processing services, payment verification services and payment card authorization services; financial consulting services in the fields of credit cards, debit cards, and payment cards; providing information to businesses in the field of reconciling financial transactions, with a view to detecting and preventing suspicious and fraudulent financial behavior and reducing monetary losses; providing information to businesses relating to financial risk management to assist with detection and prevention of fraudulent financial behavior; financial risk management services provided with computerized biometric authentication and identification in order to secure transactions and payments of all kinds; financial transaction authentication and verification services, namely, providing secure commercial transactions