BLANK SMART CARDS, ENCODED SMART CARDS CONTAINING PROGRAMMING USED TO STORE FINANCIAL INFORMATION, PROCESS BILL PAYMENTS, PROCESS PAYMENTS FOR PRODUCT PURCHASES, AND OTHER FINANCIAL TRANSACTIONS; COMPUTER HARDWARE; COMPUTER HARDWARE, NAMELY, ELECTRONIC MODULES FOR READING SMART CARDS; COMPUTER HARDWARE, NAMELY, DEVICES FOR READING ENCODED SMART CARDS; COMPUTER MEMORIES; COMPUTER HARDWARE, NAMELY, DEVICES FOR STORING COMPUTER DATA; COMPUTER SOFTWARE FOR READING SMART CARDS CONTAINING FINANCIAL INFORMATION AND FOR PROCESSING BILL PAYMENTS, PRODUCT PURCHASES AND MONEY TRANSFERS; ONLINE AND OFFLINE ELECTRONIC PAYMENT SYSTEMS, ACCESS CONTROL SYSTEMS, AUTHENTICATION SYSTEMS, ALL CONSISTING OF COMPUTER HARDWARE AND COMPUTER SOFTWARE FOR ELECTRONIC BILL PAYMENT, ELECTRONIC PURCHASES OF PRODUCTS, CONTROLLING ACCESS TO FINANCIAL INFORMATION AND SYSTEMS, AND FOR AUTHENTICATING INDIVIDUALS FOR ACCESS TO FINANCIAL SYSTEMS AND INFORMATION; AUTOMATIC VENDING MACHINES; FINANCIAL CLEARING HOUSE SOFTWARE; SYSTEMS FOR CONTROLLING ACCESS TO PREMISES OR COMPUTER SYSTEMS

FINANCIAL SERVICES, NAMELY, DEBIT CARD AND CREDIT CARD SERVICES; DEBT COLLECTION SERVICES; BILL PAYMENT SERVICES; BANKING SERVICES; FINANCIAL ANALYSIS AND CONSULTATION; CREDIT INQUIRY AND CONSULTATION; CREDIT RATING SERVICES; CREDIT REPORTING SERVICES; ELECTRONIC CREDIT CARD TRANSACTIONS; SMART CARD AND STORED VALUE CARD SERVICES, NAMELY, ELECTRONIC CASH TRANSACTIONS AND ELECTRONIC DEBIT TRANSACTIONS; DEBT COLLECTION SERVICES; DEBT COUNSELING SERVICES; ELECTRONIC BILL PAYMENT SERVICES; ELECTRONIC COMMERCE PAYMENT SERVICES, NAMELY, ESTABLISHING FUNDED ACCOUNTS USED TO PURCHASE GOODS AND SERVICES ON THE INTERNET; ELECTRONIC PAYMENT, NAMELY, ELECTRONIC PROCESSING AND TRANSMISSION OF BILL PAYMENT DATA; FINANCIAL CLEARING HOUSE SERVICES