Financial services, namely, issuing pre-paid purchase cards; issuing stored value cards in the nature of gift and loyalty cards; financial services, namely, processing electronic payments made through pre-paid cards; financial services, namely, merchant services, namely, electronic processing of electronic payments for businesses, and electronic transaction services to the merchant community, namely, debit and credit card transaction processing, check guarantee and check conversion and automated clearing house check drafting, namely, cashing paper checks and issuing a stored-value card that operates with the flexibility and security of a debit or credit card