financial services, namely, [ providing ] credit card [, debit card, charge card and stored value smart card ] services; [ electronic funds and currency transfer services, electronic payments services; cash disbursements services, and ] transaction authorization and settlement services; value exchange services, namely, the secure exchange of value [, including electronic cash, ] over public computer networks to facilitate electronic commerce [ ; electronic funds transfer, smart cards and electronic cash services, namely, currency exchange in a secure environment over global electronic communications networks; the provision of authentication and verification of secure value exchange transactions over computer networks including the global electronic communications network ]