36 Financial services, namely, electronic funds transfer; financial and banking services, namely, debit and credit card transaction processing services; providing a wide variety of payment and financial services, namely, credit card services, issuing credit cards and lines of credit, electronic payment services involving electronic processing and subsequent transmission of bill and payment data, bill payment services with guaranteed payment delivery, and brokerage of money market funds, all conducted via a global communications network; providing financial risk management services involving the tracking credit card, debit card, ACH- automated clearing house, prepaid cards, payment cards, and other forms of payment transactions via electronic communications networks; credit card and debit card transaction processing services; financial management of reimbursement funds for others for disputed items in the field of electronic payment purchases; providing warranties and purchase protection on goods and services of others purchased by others via a global computer network and wireless networks, namely, providing reimbursement of payments for others for disputed transactions in the field of electronic payment purchases; credit card transaction processing services; credit services, namely, providing lines of credit; bill payment services; providing electronic mobile payment services for others; credit card and bill payment processing services; electronic foreign exchange payment processing; payment processing services, namely, providing virtual currency transaction processing services for others