financial services, namely, providing a virtual currency for use by members of an on-line community via a global computer network; financial services, namely, providing electronic transfer of a virtual currency for use by members of an on-line community via a global computer network; electronic commerce payment services, namely, establishing funded or virtual currency accounts used to purchase goods and services on the Internet; providing electronic processing of electronic virtual currency payments via a global computer network; electronic payment services by which customers may apply money or virtual currency from various sources for payment of goods and services