Electronic payments (payments by electronic communication networks such as internet and other (tele)communication networks); financial services, namely, electronic funds transfer; clearing and reconciling financial transactions; providing a wide variety of payment and financial services, namely, credit card services, issuing credit cards and lines of credit, processing and transmission of bills and payments thereof, bill payment services with guaranteed payment delivery, and brokerage of money market funds, all conducted via a global communications network; credit card and debit card transaction processing services; reimbursement of funds for disputed items in the field of electronic payment purchases; providing purchase protection insurance services for goods and services purchased by others via a global computer network and wireless networks; credit services, namely, providing revolving credit account services; bill payment services; providing electronic mobile payment services for others; credit card and payment processing services; electronic foreign exchange payment processing; payment processing services, namely, providing virtual currency transaction processing services for others; handling financial transactions processing, clearing and reconciling financial and credit card transactions via a global computer network; secure multi currency banking services; financial risk management, research and information in relation to financial affairs via computer networks, telecommunications networks or interactive communication media, including providing financial information relating to payments in global markets such as mobile commerce and contactless commercial transactions, processing of transactions made with credit cards, debit cards, store cards, bank cards, credit cards, other cards and microchips containing details of bank accounts and payments; management, providing information and control of electronic funds transfer and payment services.

Providing access to computer, electronic and online databases; telecommunications services, namely electronic transmission of data, messages and information; providing online forums for communication on topics of general interest; telecommunications, transmission of electronic means of payment, including electronic payment forms by electronic and telecommunications means; providing online communications links which transfer web site users to other local and global web pages; facilitating access to third party web sites via a universal login; providing online chat rooms and electronic bulletin boards; audio, text and video broadcasting services over computer or other communication networks namely, uploading, posting, displaying, tagging, and electronically transmitting data, information, audio and video images; providing an online network service that enables users to transfer personal identity data to and share personal identify data with and among multiple websites; providing access to computer databases in the fields of social networking, social introduction and dating; providing an online forum for the buying and selling of products and materials and exchanging of sourcing data via a computerized network; electronic transmission of bill payment data for users of computer and communication networks.