FINANCIAL SERVICES RELATED TO CREDIT, DEBIT AND STORED-VALUE PAYMENT CARDS, NAMELY FACILITATING AUTHORIZATION OF PAYMENT FOR GOODS AND SERVICES AND THE SECURE ACCESS TO AND TRANSFER OF INFORMATION FOR ELECTRONIC COMMERCE TRANSACTIONS CONDUCTED VIA WIRED AND WIRELESS COMMUNICATIONS NETWORKS, PAYMENT SERVICES UTILIZING COMPUTERIZED DEVICES INCLUDING SMART CARDS AND RADIO FREQUENCY DEVICES TO ALLOW PAYMENT TO BE CHARGED TO A PREVIOUSLY SPECIFIED PAYMENT MECHANISM SUCH AS CREDIT OR DEBIT CARD, CARD-BASED VOICE AND DATA SERVICES, AFFINITY CARD SERVICES, PROVIDING ELECTRONIC MAIL SERVICES UTILIZING TRANSACTION RELATED DATA, PROVIDING INFORMATION FROM SEARCHABLE INDEXES AND DATABASES OF TRANSACTION RELATED DATA