Financial services; namely, electronic transaction processing, pre-payment card services, providing electronic accounts for payment of goods, services or bills, e-commerce pre-payment and post-payment services, electronic prepayment of subsequent purchases of goods, services or bill payment by converting cash or cash equivalents into electronic currency; on-line bill payment services; credit card transaction processing; credit card transaction call-taker support services; debit card transaction processing; collection services, namely collection of cash and equivalent payments at brick-and-mortar locations to establish or recharge an account for on-line transactions; establishment of on-line prepaid accounts for on-line purchases and bill payment