Financial services, namely, debit card services; electronic cash transactions; check verification; check cashing; point of sale and point of transaction services, namely, electronic cash transactions; transaction authorization and settlement services, namely, viatical settlement services; electronic payment processing services, namely transmission of bill payment data; debit card verification; facilitating person-to-person payment services, namely, bill payment services, through electronic means via a global computer network; value exchange services, namely, secure electronic cash transactions and electronic cash transmissions over public computer networks to facilitate electronic commerce; electronic funds transfer; stored value smart card services and electronic card services, namely, currency exchange in a secure environment over global electronic communications networks; providing financial information, namely, debit card data and reports; electronic funds transfer services, and advisory services regarding all of the foregoing services