Credit card services; credit card transaction processing services; electronic credit card transactions; issuing credit cards; credit card verification; credit consultation; credit inquiry and consultation; credit rating services; credit recovery and collection; credit reporting services; credit unions; credit agencies; credit bureaus; evaluation of credit bureau data; debit card services; electronic debit transactions; accounts receivables financing; accounts payable debiting services; cash replacement rendered by credit card; payroll tax debiting services; on-line banking services; savings bank services; checking account services; travelers' check issuance; electronic funds transfer; mortgage banking; providing bank account information by telephone; check cashing, processing and verification; electronic cash transactions; cash management; financing services; financial services, namely, providing on-line stored value accounts in an electronic environment; financial services, namely, investment fund transfer and transaction services; money order services; money order payment guarantee services; loan financing; electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the Internet