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Insurance; financial affairs; monetary affairs; real estate affairs; credit card services; payment card services; prepaid payment card services; processing electronic payments made through prepaid cards; payment services provided via wireless telecommunications apparatus and devices; processing payments for the purchase of goods and services via an electronic communications network; services of payment cards, credit cards, cash withdrawal cards, chip cards and strip cards, magnetic cards and memory cards; cash card services; electronic cash cards services; issuance of non-electronic bank cards; issuance of payment cards; issuance of prepaid cards; issuance of prepaid payment cards; management of banking and monetary flow by electronic means; cash withdrawal using chip integrated circuit cards