Downloadable mobile applications for performing financial transactions using a virtual financial account, namely, for transferring funds into virtual account from bank accounts, credit or debit cards, or cash, making purchases at participating merchants, transferring funds to and from other virtual account members, earning cash back on purchases at participating merchants, receiving instant texts and email alerts when a purchase, transfer, or deposit is made and when the balance on virtual account is low, and for securely turning virtual account on and off instantly; Downloadable software in the nature of a mobile application for secure financial transactions and payments

Credit and debit virtual account services featuring instant turning on and off of virtual account using the downloadable mobile application or internet; Financial services, namely, funding online virtual accounts from credit and debit cards, bank accounts and cash; Financial services, namely, providing electronic transfer of a virtual currency for use by others in participating countries using the mobile phone application; Financial services, namely, 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 and earning cash back on purchases using a mobile device at a point of sale of participating merchants; Electronic debit card transaction processing; On-line banking services featuring electronic alerts via email or text when a purchase, transfer, or deposit is made to the virtual account and when the virtual account balance is low; Online banking services accessible by means of downloadable mobile applications