Financial services, namely providing on-line stored value accounts in an electronic environment, loading of stored value cards with cash via point-of-sale terminal devices connected to a global computer network, loading of stored value cards with cash via card-to-card transfers, loading of stored value cards with cash via AHC, offering stored value cardholders discounts, rebated money, and/or points at retailers, offering stored value cardholders the ability to pay for health care and accidental death insurance using the stored value cards, offering stored value cardholders discounts on pre-paid long distance and wireless telephone service, and offering stored value cardholders money transfer capabilities using the stored value card