Financial services, namely, Electronic funds transfer; Clearing and reconciling financial transactions via a global computer network; Providing a wide variety of financial and payment services, namely, charge card and credit card payment processing services, Issuing credit cards and lines of credit, Electronic payment services involving electronic processing and transmission of bill payment data, Bill payment services with guaranteed payment delivery, all the aforesaid services provided via a global communications network; Electronic payment services involving electronic processing and subsequent transmission of bill payment data, the foregoing related to installment payments; Banking services relating to the acceptance of fixed interval installment payments; Providing multiple payment options by means of customer-operated electronic terminals available on-site in retail stores; merchant services, namely, payment transaction processing services; Charge card and debit card payment processing services; fraud reimbursement services in the field of electronic credit card purchases; Providing purchase protection services for goods and services purchased by others via a global computer network and wireless networks, namely, providing fraud reimbursement services in the field of credit card purchases and electronic payment purchases, and providing secure commercial transactions for credit card purchases and electronic payment purchases; Charge card transaction processing services; credit services, namely, financial administration of revolving credit card accounts; Bill payment services; Financial transaction services, namely, providing secure commercial transactions and payment options via mobile device ; electronic foreign exchange payment processing