Computer application software for mobile devices and mobile phones, namely, software for consumers to access, monitor and manage their loyalty program profile and funds in associated stored value accounts, pay for purchases via mobile pay functionality, access menu data and store location information; application software for the provision of banking services; Magnetically encoded cards for carrying data, namely, magnetically encoded identity cards, magnetically encoded key cards, and magnetically encoded gift cards; Multifunction cards for financial services, namely, magnetically encoded credit cards, magnetically encoded charge cards, magnetically encoded cash cards, magnetically encoded bank charge cards, magnetically encoded cheque cards, magnetically encoded debit cards; magnetically encoded charge cards, magnetically encoded cash cards, magnetically encoded blank bank cards for issuance by financial institutions, magnetically encoded cheque cards, magnetically encoded credit cards, and magnetically encoded debit cards; Computer application software for mobile devices and mobile phones, namely, software for consumers to access, monitor and manage their loyalty program profile and funds in associated stored value accounts, pay for purchases via mobile pay functionality, access menu data and store location information; Computer hardware and software for facilitating payment transactions by electronic means; software products, namely, downloadable software for secure protected online payments; software for enabling payment over the internet and other communications networks; Electronic payment terminal; Electronic verification apparatus in the nature of computer hardware, scanners and computer software for verifying authentication of charge cards, bank cards, credit cards, debit cards and payment cards; Read-out apparatus in the nature of barcode readers for use in the authentication and identification of cashless payment means; magnetically encoded credit cards; Computer software that allows merchants to accept payment for goods and services by check, credit, debit or stored value card over a global computer network; Combination electronic terminal, printer, check reader, card reader and payment transaction storage device for use in the approval and processing of check, credit, debit and stored value card payments; Computer hardware; Multi-functional electronic payment terminals; Printers; signature capture devices, namely, electronic signature capture pads; Check readers; PIN pads; contactless electronic card readers; Cellular wireless electronic transaction terminals and electronic payment devices in the nature of point of sale terminals and credit card terminals, for use in connection with check, credit card, debit card and stored value card transactions, transaction authorisations and payment processing services