Electronic transfer of funds; Electronic transfer of money; Electronic transfer of virtual currencies; Electronic transfers of money; Electronic funds transfer; Electronic funds transfer by telecommunications; Financial services, namely, providing electronic transfer of a virtual currency for use by members of an on-line community via a global computer network; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; Providing financial risk management services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network