Downloadable computer software for enabling the electronic transfer of money between users; Downloadable computer software for use in connection with financial transactions; Downloadable software in the nature of a mobile application for processing electronic payments and for transferring funds to and from others; Downloadable software in the nature of a mobile application for use as a digital wallet

Bill payment services; Bill payment services provided via an electronic wallet; Bill payment services provided via a global communications network and a mobile application; Charge card and credit card payment processing services; Clearing and reconciling financial transactions via a global computer network; Credit card payment processing services; Electronic funds transfer by telecommunications; Electronic transfer of funds; 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; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; Issuing credit cards; Payment processing services, namely, credit card and debit card transaction processing services; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments