Financial services, namely, providing a virtual currency for use by members of an on-line community via a global computer network; providing electronic processing of credit card transactions and electronic payments via a global computer network; Financial services, namely, providing a virtual currency for use by members of an on-line community via a mobile network; providing electronic processing of credit card transactions and electronic payments via a mobile network; Electronic charge card, credit card, prepaid card, prepaid gift card, prepaid stored value card and prepaid purchase card services, namely, processing electronic payments made through prepaid cards, and payment processing services, namely, credit card and debit card transaction processing service