Broad based financial services, namely, banking services, credit card services, debit card services, charge card services, pre-paid purchase card services offered through cards with stored value, smart card services for use in financial transactions, bill payment services, cash disbursement in the nature of money transfer; point of sale and point of transaction services, namely, providing secure financial commercial transactions and payment options at a point of sale or point of transaction, transaction authorization services, electronic funds transfer, electronic payment processing services, credit card and debit card verification, payment transaction authentication and verification services; facilitating person-to-person payment services through electronic means via a global computer network; electronic credit and debit card transactions; financial exchange services, namely, the secure exchange of value, including electronic cash, over computer networks to facilitate electronic commerce; processing of financial transactions online via a global computer network or via telecommunication, mobile or wireless devices; electronic cash services, namely, currency exchange in a secure environment over a global electronic network; providing financial information, namely, credit and debit card data; risk management services for others in the field of consumer credit; credit management services, financial information rendered by computer by means of a secure information computer network