Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile phone number and pin; financial services, namely, funding online cash accounts from prepaid cash cards, bank accounts and credit card accounts; financial services, namely, microfinance lending services; financial services, namely, providing 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