Broad based financial services, namely, banking, bill payment, credit card services, debit card services, pre-paid card services offered through cards with stored value, electronic credit and debit transactions; electronic commerce payment services; merchant services, namely, providing secure payment transaction processing services; electronic payment services, namely, point of transaction services; transaction authorization and settlement services; payment transaction authentication and verification services; electronic funds transfer via electronic communications networks; providing financial services via wireless network, global computer network and mobile telecommunications devices, namely, banking, bill payment, credit card services, debit card services, pre-paid card services offered through cards with stored value, electronic credit and debit transaction; electronic payment, namely, electronic processing and transmission of bill payment and remittance data for others over internet; dissemination of financial information via a global computer network, wireless network or mobile communications device; financial risk management services in the field of banking; providing an on-line computer web site that provides customer access to financial transaction data, account management, financial reporting