Financial services, namely, banking, bill payment services, credit card services, debit card services, cash disbursement services, namely, cash replacement rendered by credit cards and debit cards, issuing stored value cards, issuing traveler's checks, providing travel insurance, deposit access services, stored value services, namely, pre-paid card services offered through cards with stored value, automated teller machine services, point of sale and point of transaction services, namely, electronic credit, debit and cash transactions, electronic processing and transmission of bill payment data, providing multiple payment options by means of customer-operated electronic terminals available on-site in retail stores, and electronic funds currency transfer services, credit card transaction processing services, namely, providing transaction authorization and settlement services, providing personal credit and account information and other financial information via a global computer network