Virtual money brokerage; providing information in the field of personal finance; credit bureau services; financial trading analysis and financial information; transaction authentication and verification services; providing cash and other rebates for credit card use as part of a customer loyalty program; brokerage of purchase payment; electronic processing of credit card transactions via a global computer network; financial and investment market risk analysis, appraisal and projection; financing services; advisory services relating to financial asset management; evaluation of the credit worthiness of companies and private individuals; financing of loans; providing rebates at participating establishments of others through use of a membership card; brokerage of mobile payment; issuance of mobile discount coupon in the nature of tokens of value; issuance of electronic payment cards in connection with bonus and reward schemes; consultancy and information services relating to insurance; financial evaluation [insurance, banking, real estate]; provision of information relating to real estate; valuations in real estate matters; real estate financing; issuance of cyber money; financial brokerage services for charging cyber money; providing multiple payment options by means of customer-operated electronic terminals available on-site in retail stores; credit inquiry and consultancy; credit scoring services; providing securities market information via an on-line computer database; providing on-line investment account information; bill payment services; banking and insurance services; financial information, management and analysis services; issuance of electronic gift certificates which may then be redeemed for goods or services; e-wallet payment services; electronic payment for others; electronic processing of payments; processing of payment transactions for electronic money; payment card services.