Financial affairs and services; monetary affairs and services; credit card services and financial services by means of electronic communication networks; magnetic encoded cards; magnetic encoded card readers; computer software services for transmitting, displaying and storing transaction, identification and financial information for use in the financial services, banking and telecommunications industries; electronic data carriers in the form of magnetically encoded cards; financial services, namely, providing bank card services; clearing and reconciling financial transactions via a global computer network; payment services for use on a global computer network