Machine readable pre-paid account cards; magnetic data carriers; encoded magnetic cards

Telephone calling card services; financial services; banking services; bill payment services; pre-payment services for subsequent purchases of goods and services; providing virtual accounts for on-line payments; on-line financial services; on-line banking services; on-line bill payment services; credit card transaction processing; credit card transaction call-taker support services; debit card transaction processing; virtual credit card transaction processing; collection services, namely collection of cash and equivalent payments at brick-and-mortar locations to establish or recharge an account for on-line transactions; pre-payment services for the purchase of telecommunications services; e-commerce prepayment and post-payment services; on-line sales of prepaid accounts for on-line purchases and bill paying