Issuance of discount coupons in the nature of tokens of value; virtual money brokerage; Payment and funds verification services; brokerage of mobile payment, namely, processing of credit card payments, and processing electronic payments made through cards; issuance of cyber money; financial brokerage services for charging cyber money; exchanging cyber money; processing of payment transactions for electronic money; on-line brokerage for trading and transactions relating to currency and other financial products; electronic transfers of money; buyer's credit underwriting, namely, providing lines of credit and personal loans; providing financial information; credit bureau services; philanthropic services concerning monetary donations