Financial services, namely, credit card services, loan financing, mortgage lending and mortgage brokerage services; banking services; bill payment services; pre-.payment services for subsequent purchases of goods and services; providing debit accounts for online payments; on-line financial services, namely, credit card services, loan financing, mortgage lending and mortgage brokerage services; on-line banking services; on-line bill payment services; credit card transaction processing; debit card transaction processing, virtual credit card processing; collection services, collection of cash and equivalent payments at brick-and-mortar locations to establish or recharge an account for on-line transactions; pre-payment services for the purchase of telecommunication services; ecommerce prepayment and post-payment services