36 financial services, namely electronic funds transfer; compensation and reconciliation of financial transactions; provision of a wide range of financial and payment services, namely credit card services, credit card issuance and credit lines, electronic payment services, including electronic processing and subsequent transmission of invoice payment data , bill payment services with guaranteed payment delivery, all through a worldwide communications network; transaction processing services with credit cards and debit cards; reimbursement of funds for contested items in the field of electronic payment transactions; insurance services for the protection of the purchase of products and services purchased by third parties through a global computer network and wireless networks; credit card transaction processing services; credit services, namely variable credit account services; bill payment services; mobile electronic payment services for third parties; payment processing and credit card services; electronic currency exchange payment processing; payment processing services, namely processing of electronic payments of a customer and transferring said payments to third party bank accounts; provision of online accounts through which customers can make payments or make payments or withdrawals from said accounts, or can even manage and track their payment balances