Broad based financial services, namely, banking, bill payment [ and presentment ] services, [ credit card services, ] debit card services, [ charge card services, ] pre-paid card services offered through cards with stored value, electronic [ credit and ] debit transactions, cash disbursement, [ cash replacement rendered by credit cards and debit cards, ] electronic cash transactions, [ check verification, check cashing, deposit access and automated teller machine services, ] point of sale and point of transaction services, transaction authorization and settlement services, electronic payment processing services, [ credit card and ] debit card verification, payment transaction authentication and verification services, [ facilitating person-person 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 cash services, namely, currency exchange in a secure environment over global electronic communications networks, ] providing financial information, namely, [ credit and ] debit card data and reports, [ travel insurance underwriting services, management services for others in the field of consumer credit; credit management services, ] dissemination of financial information via a global computer network, financial advisory services regarding all of the foregoing services; financial analysis and consultation, namely, providing a wide range of information and analysis to financial institutions by electronic means in connection with [ credit cards, ] debit cards and other payment cards, [ card holder spending, ] risk management [, terminated merchants, and reporting of chargebacks on credit cards ]