Computer hardware and computer software for setting up and configuring wide area networks; computer software and programs for the compilation of credit reporting data; computer software for use by customers to access bank account information and transact bank business; computer peripherals; integrated circuit memory boards; blank smart cards; magnetic coded card readers; blank magnetic data carriers; charge cards and bank cards, namely, magnetically encoded credit cards; magnetically encoded debit cards; magnetically encoded prepaid cards; magnetically encoded prepaid payment cards; blank electronic chip cards; encoded electronic chip cards containing programming used to set up and configure wide area networks, report data and for use by customers to access bank account information and transact bank business, for use in relation to financial applications, loyalty programs rewards programs, and card holder preferences; electronic apparatus and instruments, namely, biometric scanners for authentication, authorization, clearing and settlement of financial transactions; computer terminals and computer software for authentication, authorization, clearing and settlement of financial transactions, for use in the financial services industry, banking and telecommunication industries; electrical apparatus and instruments, namely, magnetic encoded card readers, electronic data carrier card readers, smart card readers, electronic encryption units, all for the registration, transmission and reproduction of data; computer hardware for reading memory cards and data featuring integrated circuit memory and bank card memory, namely, electrical circuit cards, universal memory card readers, external PIN pads, and mini electronic card readers; magnetically encoded cards, namely, smart cards, charge cards, bank cards, credit cards, debit cards, stored value cards and payment cards for financial applications; apparatus for reading smart cards, charge cards, bank cards, credit cards, debit cards, stored value cards and payment cards for financial applications, namely, computer dial terminals; encoders and decoders; magnetic coded card readers; electronic data carrier card readers; electronic encryption units; computers; apparatus which provide connection to the Internet, maintain a website portal on the Internet or a data file which can be accessed from the Internet, both wireless and connected by cable, namely, computer network routers, modems, Ethernet cords, cables, wireless adapters, and wireless cards; computer software and hardware for biometric identity verification