Currency transfer services; Electronic funds transfer; Electronic funds transfer by telecommunications; Electronic payment services by which utility customers may apply money from various sources for payment of energy costs; Electronic transfer of funds; Electronic transfer of money; Electronic transfers of money; Exchanging money; Financial services, namely, providing electronic transfer of a virtual currency for use by members of an on-line community via a global computer network; Money exchange services; Money order payment guarantee services; Money order services; Money transfer; Money wiring services; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; Providing financial risk management services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network; Providing financial services with respect to securities and other financial instruments and products, namely, money management services