Credit card transaction processing services provided via internet; Stored value prepaid card services, namely, processing electronic payments made through prepaid cards; Merchant services, namely, payment transaction processing services; payment and funds verification services; credit card verification; currency exchange services; currency transfer services; financial services, namely, providing for the exchange of foreign currency via the internet and intranet systems; 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 funds transfer; virtual credit and debit card payment transaction processing services; clearing and reconciling financial transactions via a global computer network; online banking services and financial services, namely, credit card and debit card payment processing services, and subsequent transmission of bill payment data and electronic processing of bills and payments thereof, conducted via a global computer network; electronic funds transfer services; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; Financial transaction services, namely, providing secure commercial transactions and payment options; money lending provided over a computer network such as the Internet