Electronic processing and transmission of electronic payments to transfer value and value equivalents, namely, cash, points, minutes, and credits, to prepaid cards or mobile devices or accounts from other prepaid cards or mobile devices or accounts; and financial services, namely, facilitating electronic funds transfer, value transfer and value equivalent transfer, namely, points, minutes, and credits to plastic cards, other access devices or accounts from other plastic cards, other access devices or accounts; financial services, namely, money transfer services, electronic funds transfer services, bill payment services, automated clearing house transaction processing services, processing digital currency payments to third parties, and electronic credit card and debit card transactions, facilitating cash withdrawals from and cash deposits to plastic cards, other access devices or accounts; and value exchange services, namely, secure electronic cash transactions to facilitate electronic commerce