Electronic credit card transaction processing; electronic debit card transaction processing; electronic payment services, namely, electronic processing and subsequent transmission of bill payment data; providing real-time financial services through mobile telephone connections, retail point-of-sale connections and the internet, namely, electronic funds transfer, electronic payment services involving electronic processing and subsequent transmission of bill payment data, credit card and debit card transaction processing; providing electronic processing of credit and debit card transactions and electronic payments via mobile phone for allowing consumers to purchase goods and services of others; electronic transfer of financial instruments for others; payment processing services, namely, providing secure processing of payments on mobile devices, mobile phones, handheld devices, tablets, and computers; financial services, namely, electronic funds transfer via electronic communications networks; consumer lending services; financial services, namely, facilitating loans between borrowers and investors; providing financial services over a global computer network, namely, matching and connecting borrowers and investors; financial services, namely, providing loan payment services over a global computer network in the nature of electronic processing and transmission of loan payment data; 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 a virtual currency for use by members of an on-line community via a global computer network; Providing online non-downloadable internet based computer software applications for implementing information security, account security, and data encryption; data encryption services for providing security and anonymity for electronically transmitted credit card transitions; computer security services in the nature of administering digital certificates; authentication, issuance and validation of digital certificates; computer security services in the nature of providing authentication, issuance, validation and revocation of digital certificates