Financial services, namely, providing cashless payment services in the nature of facilitating the processing of payments made through credit cards, gift cards, pre-paid cards, and automatic clearing house (ACH) cards, which are in the nature of cards utilized for transactions that occur via an inter-bank system; check and cashless payment verification, guarantee, collection and processing services; facilitating the processing of electronic financial transactions made through loyalty cards between retailers and purchasers; facilitating the processing of electronic payments made via automatically recurring check transactions; cashless payment processing services, namely, providing electronic transmission of financial transactions between consumers and merchants by means of biometric-based identity verification and transaction authorization, wherein individuals are identified within on-line databases that link their financial or loyalty/reward accounts with their biometric data