Payment cards, prepaid cards, stored value cards, plastic cards with electronic media mounted therein used by consumers for purchasing goods and services, payment cards linked financially to a consumer's e-wallet (electronic money or stored value) account for purchasing goods and services at physical locations and online

Stored-value account processing, e-wallet services, namely, providing consumers of merchants (businesses) with an e-wallet account for use in making secure payments for purchasing goods and services from such businesses; facilitating merchants (businesses), utilities and service-providing organizations to receive payments from various payment providers; financial services for allowing merchants resident in and selling goods and services from a first country to sell such goods and services to consumers resident in other countries and for residents in one country to purchase goods and services from merchants in another country; payment card services, providing the use of a payment card for purchasing goods and services at point of sale wherein funds for such purchases come from an electronic stored value account, savings account, credit facility or other facility; pre-paid card services and stored-value card services, namely, card services only for owners of Internet-based, on-line accessible, electronic money accounts, whereby a payment card, pre-paid card or stored-value card is used to purchase goods and services from physical merchants and on-line merchants, all funds used in such purchases being debited from the user's electronic money account; virtual card services 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; money transfer services, namely, transferring funds from person to person; transferring funds from one owner of an e-wallet account to another owner of an e-wallet account