Financial services for groups, namely, aggregation of electronic funds transfers via electronic communications networks; clearing and reconciling group financial transactions via electronic communications networks; providing a wide variety of payment, gifting, and financial services, namely, providing electronic processing of electronic funds transfers, ACH, credit card, debit card, electronic check, electronic payments, mobile electronic payments, micropayments, pooling of loans, allowance, person to person financial transfers, business to person financial transfers, person to business financial transfers, and business to business financial transfers, all conducted via a global communications network

Technological services, namely, creating, facilitating and maintaining on-line virtual communities of registered users for the purpose of pooling users' funds for payments and gifts to and among their friends, relatives, vendors, service providers and commercial carriers, and to engage in social, business and community networking, all conducted via a global communications network