Financial services, including, enabling transfer of funds via electronic communications networks, clearing and reconciling financial transactions via electronic communications networks, banking services, money transfer services, electronic funds transfer services, bill payment services, money order services, credit card services, prepaid card services in the nature of adding airtime to prepaid or pay-as-you-go wireless services, reloading cash on pre-paid/secured debit cards, recharging minutes to to pre-paid long distance calling cards, provision of automated teller machines, gift check services in the nature of issuing personalized gift checks akin to money orders, debit and stored value card services, direct deposit of funds into customer bank accounts; automated clearing house deposit services, credit card and debit card transaction processing services; clearing and reconciling transactions via global communications networks; electronic payment processing services; insurance; monetary affairs; real estate affairs; providing a wide variety of payment and financial services, including, credit card services, issuing credit cards and lines of credit, processing and transmission of bills and payments thereof, payment services, providing guaranteed payment delivery and money market funds