Financial services, namely, banking, bill payment services, credit card services, debit card services, cash disbursement services, pre-paid card services offered through cards containing stored value, issuing travelers checks, providing travel insurance, deposit access services, automated teller machine services, point of sale and point of transaction electronic payment services, namely, electronic processing and transmission of bill payment data, and electronic funds currency transfer services; providing transaction authorization and settlement services; dissemination of financial information via a global information network