Financial services, namely electronic prepayment for subsequent purchases of goods or services by converting cash or cash equivalents into electronic currency permitting users to recharge or replenish prepaid and stored value accounts for billing entities (such as credit cards, mobile telephone prepaid accounts, long distance services, and the like), from multiple user access points, such as automated teller machines, point-of-sale transfer points, the Internet, mobile telephones, and the like, using cash or electronic funds transfer services; pre-payment services for the purchase of telecommunication services; providing an on-line computer database featuring information about all of the above financial transaction services