financial services, namely, electronic funds transfer via electronic communications networks; money transfer services; electronic funds transfer services; clearing and reconciling financial transactions via a global computer network; providing a wide variety of payment and financial services, namely, credit card services, issuing prepaid credit cards, currency exchange services, cheque cashing, electronic payment, namely, electronic processing and transmission of bill payment data; bill payment services with guaranteed payment delivery; electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the Internet; bill payment services to online retailers, merchants and content providers using cash account information stored in a centralized database; electronic payment, namely, electronic processing of prepaid electronic bill payment data, all conducted via a global communications network