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PAYMENT CARD SERVICES, PRE-PAID CARD SERVICES AND STORED-VALUE CARD SERVICES, NAMELY, PAYMENT CARD SERVICES ONLY FOR OWNERS OF INTERNET-BASED, ON-LINE ACCESSIBLE, ELECTRONIC MONEY ACCOUNTS, WHEREBY A PAYMENT CARD, PREPAID CARD, OR STORED-VALUE CARD IS USED TO PURCHASE GOODS AND SERVICES FROM PHYSICAL MERCHANTS AND ON-LINE MERCHANTS, ALL FUNDS USED IN SUCH PURCHASES BEING DEBITED FROM THE USER'S ELECTRONIC MONEY ACCOUNT; VIRTUAL PAYMENT CARD SERVICES ONLY FOR OWNERS OF INTERNET-BASED, ON-LINE ACCESSIBLE, ELECTRONIC MONEY ACCOUNTS WHEREBY A COMPUTER PROGRAM PROVIDES THE CONSUMER WITH A VIRTUAL PAYMENT CARD HAVING A ONE-USE-ONLY PAYMENT CARD NUMBER, FOR USE IN PURCHASING GOODS AND SERVICES ON-LINE, BY MAIL, AND BY TELEPHONE, ALL FUNDS USED IN SUCH PURCHASES BEING DEBITED FROM THE USER'S ELECTRONIC MONEY ACCOUNT