Computer hardware, computer peripherals and software for use in point-of-sale transactions, online sales transactions and for processing such transactions; electronic machines for reading credit, pre-paid, stored value and debit cards and recording financial operations; apparatus for processing point-of-sale transactions, namely, magnetically-encoded credit, pre-paid, stored value and debit cards, machine-readable bar-coded credit, pre-paid, stored value and debit cards, encoded smart cards containing programming used for point-of-sale transactions and for processing such transactions, electronic card readers, card readers for credit, prepaid, stored value and debit cards, electronic payment terminals, point-of-sale terminals, and bar code readers; magnetically encoded identifying cards; magnetically-encoded cards bearing machine-readable information used to securely access personal information, identification, information for use in emergencies, medical information, insurance policy details, names and contact details; computer hardware, computer peripherals and software used to access a data repository of personal information including identification, information for use in emergencies, medical information, insurance policy details, names and contact details; and user manuals sold as a unit therewith

Financial services, namely, consumer credit lending services, and credit, pre-paid, stored value and debit card transaction processing services; providing electronic processing of credit, pre-paid, stored value and debit card transactions and electronic payments via a global computer network; financial services, namely, electronic processing, verification, and settlement of sales transactions using online accounts; credit, pre-paid, stored value and debit card transaction verification and settlement services, electronic payment processing services, namely, electronic processing and transmission of credit, pre-paid, stored value and debit card and online account payment data; credit, pre-paid, stored value and debit card services; providing financial information via a global computer network; and consultation services related to the foregoing