Financial services, namely, providing on-line stored value accounts in an electronic environment, providing for the exchange of foreign currency via the internet, providing electronic transfer of a virtual currency for use by members of an on-line community via a global computer network; financial transaction services, namely, providing secure commercial transactions and payment options; financial transfers and transactions, and payment services, namely, currency transfer services, electronic funds transfer, electronic cash transactions, foreign exchange transactions, electronic wallet services (payment services); electronic funds transfer services; currency exchange services and electronic transfer of money; international money transfer services; payment administration services, namely, payment processing services in the field of funds transfer, credit card, debit card and electronic payments; processing of electronic payments made through prepaid cards, credit cards, debit cards, and funds transfer; transfer of funds via electronic communication networks; banking services in relation to the electronic transfer of funds; bill payment services; information, advisory and consultancy services relating to all the aforesaid services