Financial services, namely, providing a virtual currency for use by members of an on-line community via a global computer network; arranging and provision of credit, loans, and currency exchange; cooperative credit organizations; credit and cash card services; credit and debit card services; credit card and debit card services; credit card transaction processing services; debit account services featuring camera-equipped computers, cell phones, smart phones, wirelessly connected tablets, and other mobile devices; debit card services; electronic credit card transactions; electronic debit transactions; electronic financial trading services; electronic funds transfer; electronic funds transfer by telecommunications; electronic payment, namely, electronic processing and transmission of bill payment data; electronic transfer of money; electronic transfer of funds; electronic transfers of money; exchanging money; financial exchange; financial services, namely, providing on-line stored value accounts in an electronic environment; financial services, namely, providing 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 using a mobile device at a point of sale; financial transaction services, namely, providing secure commercial transactions and payment options; issuance of credit cards; issuance of tokens of value; issue of tokens of value; issuing credit cards; issuing stored value cards; merchant services, namely, payment transaction processing services; money transfer; on-line prepaid card services; payment processing services, namely, credit card and debit card transaction processing services; pre-paid purchase card services, namely, processing electronic payments made through prepaid cards; pre-paid purchase card services, namely, processing electronic payments through pre-paid cards; processing electronic payments made through prepaid cards; providing electronic processing of credit card transactions and electronic payments via a global computer network; providing electronic processing of ACH and credit card transactions and electronic payments via a global computer network; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments