Financial services, banking, bill payment services, electronic processing and transmission of bill payment data, electronic processing of insurance claims, credit card services, debit card services, charge card services, pre-paid card services, electronic credit and debit transactions, electronic funds transfer, smart cards and electronic cash services, cash disbursement, cash replacement rendered by credit cards and debit cards, electronic cash transactions, cheque verification, cheque cashing, deposit access and automated teller machine services, payment processing services, transaction authentication and verification services, and dissemination of financial information and electronic payment data via a global computer network