36 Financial services, namely, electronic money transfer services; clearing and reconciling financial transactions via a global computer network; payment processing services, namely, credit card and debit card transaction processing services; providing stored value prepaid card services, namely, processing electronic payments made through prepaid cards; financial services, namely, providing on-line stored value accounts in an electronic environment for use in connection with payment for goods and services; financial services, namely, providing a virtual currency for use by members of an online community via a global computer network; currency exchange services, namely, issuance of virtual currencies; currency exchange services for virtual currencies; facilitating transfers of virtual currencies, namely, electronic funds transfer of virtual currencies; financial services, namely, providing electronic transfer and exchange of virtual currency having specified cash value for use by members of an online community via a global computer network; financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; bill payment services in the nature of optimization of payments for businesses; merchant services, namely, managing and tracking credit card, debit card, ACH, prepaid cards, payment cards, and other forms of payment transactions via electronic communications networks for business purposes