Financial services, namely, conducting an online exchange of interest rate products via the internet and intranet systems; Financial services, namely, funding online cash accounts from prepaid cash cards, bank accounts and credit card accounts; 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 using a mobile device at a point of sale; Providing financial risk management services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network; Providing an internet website portal in the field of financial transaction and payment processing services

Computer transmission of information accessed via a code or a terminal; Information transmission by telematic codes

Providing electronic verification of on-line orders of digital content and generating electronic permission codes which then allow users to access said digital content