Electronic transfer of virtual currencies; Financial services, namely, providing a virtual currency for use by members of an online community via a global computer network; Financial transaction services, namely, providing a virtual currency for use by members of an online community via the internet and communications networks; Merchant services, namely, payment transaction processing services of virtual currency transactions for others; Payment processing services, namely, electronic processing and subsequent transmission of processing payment transactions of payment data involving virtual currency for users of internet and communication network