36 Banking services; Banking services provided by mobile telephone connections; Banking and financing services; Currency transfer services; Electronic transfer of funds; Electronic transfer of money; Electronic transfers of money; Electronic funds transfer by telecommunications; Financial services, namely, investment fund transfer and transaction services; Financial services, namely, providing electronic transfer of a virtual currency for use by members of an on-line community via a global computer network; On-line banking services; Online banking; Online banking services accessible by means of downloadable mobile applications; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments