Financial services, banking, bill payment services, 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, travel insurance underwriting services, electronic funds transfer and currency exchange services, financial assessment and risk management services for others in the field of consumer credit, credit management services, and dissemination of financial information, including via a global computer network; financial affairs; monetary affairs; insurance