Financial services, namely, providing on-line stored value cards and accounts in an electronic environment to consumers for the purchase of digital content, products and services on-line; issuing and activating stored value cards and accounts to consumers for the purchase of digital content, products and services on-line; stored value card transaction processing services, namely, providing settlements or payments related to purchase and sale of on-line content through stored value cards and accounts; computer software for use in a micro-payment system to facilitate the authentication, authorization, purchase and delivery of on-line content and services