Computer software, namely, electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web based environment; Electronic payment terminal

Credit and cash card services; Credit and debit card services; Credit card and debit card services; Credit card payment processing services; Credit card services; Currency exchange services; Debit card services; Electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the Internet; Electronic credit card transactions; Electronic debit transactions; Financial services, namely, conducting an online exchange of interest rate products via the internet and intranet systems; 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 electronic transfer of 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; Financial services, namely, providing information in the fields of foreign currency, commodities, financial derivatives, interest rate products, and equities via the internet and intranet systems; Financial transaction services, namely, providing secure commercial transactions and payment options; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; Gift card transaction processing services; Investment banking services; Merchant services, namely, payment transaction processing services