Debit account services featuring QR Codes, biometric identification; electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the Internet; electronic funds transfer; electronic funds transfer by telecommunications; electronic transfer of funds; electronic transfer of money; electronic transfers of money; issuing stored value cards; money transfer; on-line banking services; providing multiple payment options by means of customer-operated electronic terminals available on-site in retail stores; providing stored value card services; stored value prepaid card services, namely, processing electronic payments made through prepaid cards; bill payment services; bill payment services provided through a website; credit card and debit card services; credit card and payment card services; credit card authorization services; credit card payment processing services; credit card transaction processing services; credit card verification; electronic banking via a global computer network; electronic cash transactions; electronic credit card transactions; electronic debit transactions; electronic payment, namely, electronic processing and transmission of bill payment data; electronic toll collection services; financial services, namely, providing a virtual currency for use by members of an on-line community via a global computer network; financial services, namely, providing on-line stored value accounts in an electronic environment; issuance of tokens of value; issue of tokens of value; issuing prepaid debit cards; issuing stored value cards for use as electronic travel tickets; loyalty coupon payment processing services; loyalty program payment processing services; merchant services, namely, payment transaction processing services; on-line escrow service for exchange of services; payment processing services, namely, credit card and debit card transaction processing services; pre-paid purchase card services, namely, processing electronic payments made through prepaid cards; pre-paid purchase card services, namely, processing electronic payments through pre-paid cards; providing electronic processing of credit card transactions and electronic payments via a global computer network; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments