On-line banking services; Payment and funds verification services; Payment verification services; Bill payment services; Bill payment services provided via an electronic wallet; Electronic payment services by which utility customers may apply money from various sources for payment of energy costs; Electronic payment services involving electronic processing and subsequent transmission of bill payment data; Electronic transfer of virtual currencies; Financial exchange of virtual currency; 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 services, namely, providing for the exchange of foreign currency, commodities, financial derivatives, interest rate products, and equities via the internet and intranet systems; Processing electronic payments made through prepaid cards; Processing of credit card payments; Processing of debit card payments; Processing of electronic wallet payments; Providing an internet website portal in the field of financial transaction and payment processing services; Providing electronic processing of credit card transactions and electronic payments via a global computer network