Providing and securing financial transactions and payment of goods or services, namely, electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the Internet; 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 transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; financial transaction services, namely, providing secure commercial transactions and payment options; providing on-line payment platforms, namely, electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the Internet; providing electronic transmission of payment transactions and related information, namely, merchant services, namely, payment transaction processing services and providing related information