Reloadable prepaid card services, namely, electronic processing and transmission of electronic payments to transfer value and value equivalents, namely, points, minutes, and credits, to prepaid cards or mobile devices or accounts from other prepaid cards or mobile devices or accounts; and financial services, namely, facilitating electronic funds transfer, value transfer and value equivalent transfer, namely, points, minutes, and credits to plastic cards, other access devices or accounts from other plastic cards, other access devices or accounts; and value exchange services, namely, secure electronic cash transactions to facilitate electronic commerce