Financial services, namely, financial administration, financial risk management and credit processing, rating and collection services for mobile wallet, electronic funds transfer, credit card, debit card and electronic check transactions via computer network using collateralized internet of things as security; administration of transactions and currency exchange involving funds drawn from securities, stocks, funds, equities, bonds, cash, and virtual currency, using a check or negotiable order of withdrawal, a credit or debit card, online payments, ACH transfer, third-party distribution, or wiring via computer network; banking and loan services, and funding online asset cash accounts from prepaid cash cards, bank accounts, credit card accounts and virtual currency; issuing and administering in the nature of authorizing, transaction processing, collections and ratings of credit cards and credit card accounts; providing a virtual currency; providing electronic transfer of a virtual currency for use by members of an on-line community via a global computer network; credit rating services; credit scoring and reporting services, credit card payment, card transaction, collections processing, credit checking in the nature of credit card authorization and verification services, credit risk monitoring and financial credit analysis