Computer software for processing multiple forms of payment and debt transactions in an integrated mobile phone and web-based environment, performing electronic business transactions via global computer network and monitoring and alerting remote sensor status via the Internet; blank magnetic data carriers; data processing apparatus; telecommunications and electrical apparatus and instruments for the registration, transmission and reproduction of sound and image data in the form of audio-video receivers, digital media receivers and telephone transmitters; computer hardware and software system for tracking, management and analysis of financial accounts via a global computer network; electronic memory card reader systems for reading memory cards and data in memories in the form of integrated circuit memories and banking card memories; downloadable electronic publications in the nature of electronic periodicals and journals in the field of finance; encoders; decoder software; computer hardware and software for facilitating payment transactions by electronic means over wireless networks, global computer networks and/or mobile telecommunications devices; encryption software; computer software for producing digital certificates and digital signatures; software for secure data storage and retrieval and transmission of confidential customer information used by individuals, banking and financial institutions; magnetically encoded identity debit cards and encoded smart cards containing an integrated circuit chip with programming used for user authentication and identification, payment systems in the financial, banking and telecommunications fields and for use with financial transactions; cards encoded with security features for authentication purposes, namely, encoded identity cards; blank smart cards embedded with holograms as a security feature for authentication purposes; charge cards, bank cards, credit cards, debit cards, blank electronic chip cards, stored-value gift cards, electronic data carrier cards and pre-paid payment cards, all magnetically encoded for issuance by financial institutions; banking cards including printed banking cards and banking cards using magnetic memories and integrated circuit memories, namely, magnetically encoded debit smart cards used for banking transactions; card readers namely, magnetic coded card readers, electronic data carrier cards, magnetic coded card readers, electronic data carrier card readers; telecommunications equipment, namely, line integrity testing equipment, and equipment for cellular and fixed communications applications; electronic verification apparatus for verifying authentication of charge cards, bank cards, credit cards, debit cards and payment cards namely, readers for magnetic encoded cards, chip cards and electronic cards

Advertising services; business management; business administration services; business administration assistance; online retail store services provided through mobile telecommunications means featuring pre-paid credit cards, pre-paid debit cards, pre-paid charge cards and pre-paid gift cards; online retail store services featuring pre-paid credit cards and pre-paid debit cards via networks or other electronic means using electronically digitized information; computer database management; data processing services; business services, namely, data verification services, in the form of employment verification and postal address verification; computer database management services; data processing services; business services, namely, data verification services, in the form of employment and postal address verification; marketing services, namely, providing consumer information promoting the goods and services of others available for purchase on-line through means of the Internet and other computer networks; information and advisory services in the fields of advertising, business administration, retail store services featuring pre-paid cards, business data verification services, marketing and client profile information services

Data verification services, namely, debit card, credit card and business credit verification services; providing web-based data repository services in the nature of collecting, compilation and systemization of information and statistics into computer databases in the field of consumer credit scores, consumer credit information, historical and archival financial data; information and advisory services in the fields of banking and financial data verification and data repository services; financial services, namely, banking, credit card services, debit cards services and charge card services; pre-paid purchase card services, namely, processing electronic payments through pre-paid cards with stored value; electronic credit card transactions; electronic debit transactions; credit card transaction authorization services; debt settlement services;" "reconciliation of transactions accounts on behalf of others; cash management; consolidated funds settlement in the form of debt settlement services; settlement/reconciliation, and funds movement services, namely, payment card services, electronic payment processing services in the field of debit and credit card payments, payment transaction authentication via providing secure commercial transactions and payment options, credit card verification services, value exchange services, namely, secure electronic cash transactions and electronic cash transmissions, over public computer networks to facilitate electronic commerce, electronic funds transfer, providing financial information, namely, credit and debit card data and reports, financial records management, electronic funds transfer and currency exchange services; dissemination of financial information via a global computer network; financial information rendered by computer by means of a secure information computer network and advisory services regarding all of the foregoing services; provision of financial services for the support of retail services provided through mobile telecommunications means, namely, payment services through wireless devices; provision of financial services for the support of retail services provided on-line, through electronic networks; processing of financial transactions both on-line via a computer database or via telecommunications and at point of sale; processing services for financial transactions by card holders via automatic teller machines; provision of balance details, deposits and withdrawals of money to card holders via automatic teller machines; payer authentication and financial information verification services, namely, credit card verification, payment cards transaction verification, electronic funds transfer verification, currency exchange verification services; maintenance of financial records, namely, financial records management; electronic funds transfer and currency exchange services; remote payment services; stored value electronic purse services, namely, providing on-line stored value accounts in an electronic environment; provision of debit account and credit account services by means of communication and telecommunication devices; provision of financial services for the support of retail services provided through the mobile telecommunications means, namely, electronic commerce payment services through establishing funded accounts used to purchase goods and services on the Internet via wireless devices; providing electronic processing of credit card transactions and debit card transactions by telephone and telecommunication link; online banking