(Based on 44(e)) and (Based on Use in Commerce) Straight-through payment services; payment provider (PSP) services; payment processing facilities; PSP services for on-line and other merchants (businesses); processing payments made by consumers to merchants through multiple channels including payments made on-line, via call centres and via automated telephone; currency conversion, namely, providing merchants (businesses) with the ability to convert consumers' payments in other currencies, to the businesses' preferred currency and to inform the consumers of the conversion rates used at point of sale; merchant bureau services, namely, facilitating merchants (businesses) to receive payments from various payment providers; providing merchants the service of providing recommendations and indemnities to banks enabling merchants to receive payments from various payment providers and via various methods; purchaser and transaction verification for e-commerce transactions'; e-checking; (Based on 44(e)) Stored-value account processing, namely, providing consumers with an e-wallet account for use in making secure online payments to merchants; debit card services; credit card services; charge card services, payment card services; pre-paid card services; stored-value card services; card services only for owners of internet-based, on-line accessible, electronic money accounts whereby a debit, credit, charge, payment, pre-paid or stored-value card is used to purchase goods and/or services from physical merchants, on-line merchants, mail or telephone, all funds used in such purchases being debited from the user's electronic money account; virtual card services only for owners of internet-based, on-line accessible, electronic money accounts whereby a computer program provides the consumer with a virtual payment card having a one-use-only payment card number, for use in purchasing goods and services on-line, by mail, and by telephone, all funds used in such purchases being debited from the user's electronic money account; wire money transfer services, namely, electronic funds transfer whereby funds are transferred from one cardholder to another using their electronic money accounts; electronic funds transfer; foreign exchange services