magnetic stripe cards and electrically encoded chip cards, namely, smart cards, featuring capability for downloading and maintenance of card-based software used to enable access to sites on the global computer information network and electronic business transactions and electronic funds transfer, and containing personal user information, namely, user identification data, passwords, profile information, credit card data, favorite web sites, and user loyalty data to enable interchange of loyalty points between the user and physical and virtual merchants, and electronic coupon data for redemption in physical merchant locations, data that may be used in electronics business transactions and electronic funds transfer, and emergency health data for access by emergency medical personnel, all accomplished in part via the global computer information network; readers for magnetic stripe cards and smart cards; computer software that enables the user to employ multiple magnetic stripe cards and smart cards and provides the graphical user interface to employ such cards on the global computer information network

business services, namely, promoting the use of magnetic stripe cards and electrically encoded chip cards, namely, smart cards, enabling access to sites on the Internet, by emergency medical personnel to emergency health data, by authorized persons to personal data, and electronic business transactions and electronic funds transfer, interchange of loyalty points between the user and physical and virtual merchants and electronic coupon data for redemption in physical merchant locations, and promoting the goods/services of others through incentive award programs offered by merchants that reward customer loyalty and patronage by awarding coupons, discounts and purchase points programs, all accomplished in part via the global computer information network

financial services, namely, banking, credit, debit and stored value card services; and electronic financial processing and transaction services, namely, electronic cash, asset and liability-based, and credit, debit and stored value card transactions and financial and account information provided by electronic means, all provided via magnetic stripe cards and electrically encoded chip cards, namely, smart cards, enabling access to sites on the Internet, by emergency medical personnel to emergency health data, by authorized persons to personal data, and interchange of loyalty points between the user and physical and virtual merchants, electronic coupon data for redemption in physical merchant locations, and data that may be used in electronics business transactions and electronic funds transfer, all accomplished in part via the global computer information network

Medical information services, employing magnetic stripe cards and electrically encoded chip cards, namely, smart cards, featuring capability for downloading and maintenance of card-based software used for entry and revision of emergency health information for access by emergency medical personnel, accomplished in part via the global computer information network