COMBINATION PRE-PAID STORED VALUE GIFT CARD AND DEBIT CARD WHICH IS MAGNETICALLY OR ELECTRONICALLY ENCODABLE

FINANCIAL SERVICES RELATING TO ELECTRONIC ONLINE STORED VALUE ACCOUNT AND COMBINATION PRE-PAID STORED VALUE GIFT CARD AND DEBIT CARD, NAMELY, ISSUING ELECTRONIC ONLINE STORED VALUE ACCOUNT AND PHYSICAL COMBINATION PRE-PAID STORED VALUE GIFT CARD AND DEBIT CARDS; ESTABLISHING AND MANAGING FUNDED ACCOUNTS USED TO PURCHASE GOODS AND SERVICES LINKED TO THE COMBINATION CARD, INCLUDING ACCOUNTS FOR HOLDING GIFT CARD CREDITS FOR RETAILERS AND SPONSORS OF GOODS AND SERVICES, AND ACCOUNTS FOR HOLDING STORE CREDITS AND DEBIT FUNDS; PROVIDING FOR ELECTRONIC TRANSFER OF FUNDS INTO ACCOUNTS LINKED TO THE COMBINATION PRE-PAID STORED VALUE GIFT CARD AND DEBIT CARD; PROVIDING FOR MANAGEMENT OF ACCOUNTS LINKED TO THE COMBINATION PRE-PAID STORED VALUE GIFT CARD AND DEBIT CARD, NAMELY, PROVIDING FINANCING FOR THE PURCHASE OF GIFT CARDS AND GIFT CARD CREDITS AND PROVIDING FOR TRANSFER OF FUNDS FROM GIFT CARDS AND GIFT CARD CREDITS TO ACCOUNTS OF THE COMBINATION CARD ELECTRONICALLY, NAMELY, VIA A WEBSITE, PHONE, CELL PHONE, AND TEXT MESSAGING; PROCESSING OF FINANCIAL TRANSACTIONS FOR ELECTRONICALLY TRANSFERRING FUNDS TO ACCOUNTS LINKED TO THE COMBINATION PRE-PAID STORED VALUE GIFT CARD AND DEBIT CARD AND PROVIDING FINANCING FOR THE PURCHASE OF GOODS AND SERVICES USING FUNDS LINKED TO ACCOUNTS OF THE COMBINATION PRE-PAID STORED VALUE GIFT CARD AND DEBIT CARD