MAGNETICALLY ENCODED CREDIT, DEBIT, STORED VALUE AND PREPAID TELEPHONE CALLING CARDS, AND ELECTRICALLY ENCODED INTEGRATED CIRCUIT CARDS CONTAINING PROGRAMMING, AND CARDS EMBEDDED WITH OTHER ELECTRONIC COMPONENTS, NAMELY, ANTENNAE, VISUAL DISPLAYS, AUDIO FREQUENCY GENERATORS, BATTERIES, OR INTEGRATED CIRCUITS, ALL USED IN PART TO IMPLEMENT BANKING AND FINANCIAL TRANSACTIONS, NAMELY, BANKING AND CREDIT, DEBIT, STORED VALUE AND PREPAID TELEPHONE CALLING CAPABILITIES; AND ELECTRONIC TRANSACTIONS, NAMELY, ELECTRONICALLY CASH TRANSACTIONS, ELECTRONIC CREDIT CARD TRANSACTIONS, ELECTRONIC DEBIT TRANSACTIONS, AND ELECTRONIC STORED VALUE CARD TRANSACTIONS; MAGNETIC STRIPE CARDS, SMART CARDS AND ENHANCED SMART CARDS, FEATURING CAPABILITY FOR DOWNLOADING AND MAINTENANCE OF CARD-BASED AND OFF-CARD BASED SOFTWARE USED TO ENABLE ACCESS TO SITES ON THE GLOBAL COMPUTER INFORMATION NETWORK AND TO ENABLE 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 ELECTRONIC 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; SMART CARDS AND ENHANCED SMART CARDS; COMPUTER SOFTWARE THAT ENABLES THE USER TO EMPLOY MULTIPLE MAGNETIC STRIPE CARDS, SMART CARDS AND ENHANCED SMART CARDS AND PROVIDES THE GRAPHICAL USER INTERFACE TO EMPLOY SUCH CARDS ON THE GLOBAL COMPUTER INFORMATION NETWORK

promoting the sale of the goods and services of others by awarding discounts and purchase points for magnetic stripe card, smart card and enhanced smart card use and through the administration of incentive award programs; business research and management services and incentive award program services used in obtaining personal business profile information, credit card data, favorite web site data, 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 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 electronic 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

banking and financial services; namely, banking, credit, debit, stored value and prepaid telephone calling card services; electronic transaction services, namely, electronic cash transactions, electronic credit card transactions, electronic debit transactions, and electronic stored value card transactions; financial information provided by electronic means; brokerage services in the fields of insurance, investments, mortgages, mutual funds, securities and stocks; insurance consultation; investment advice and consultation; funds investment; mutual funds investment; personal financial management and planning; loan financing and financing services; cash management; and currency exchange and advice, all accomplished in face-to-face transactions and via a global computer information network; updating and software maintenance of computer software

communications services, namely, electronic transmission of data, documents and messages via wired and wireless communications channels for the purposes of tracking, processing and manipulating transactional, personal, loyalty, couponing and health information

concierge information services via telephone and fax and providing on-line medical information about emergency medical data