Electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the Internet; 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 on-line stored value accounts in an electronic environment; 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; Brokerage of carbon credits; Brokerage of carbon dioxide and other greenhouse gas emission credits, allowances or offsets on behalf of offset producers; Providing an internet website portal in the field of financial transaction and payment processing services; Trading of carbon dioxide and greenhouse gas emission credits, allowances or offsets of others