Magnetically encoded credit cards; electronic debit and credit cards; software for use in the electronic secure identification, storage, transmission and retrieval of data; software for facilitating secure payment transactions by electronic means; software for enabling electronic and online identity verification and fraud prevention; mobile application software for enabling online banking; software for facilitating banking services by means of the Internet, and via on-line and interactive computer services; computer software for facilitating credit cards transactions; computer software that enables users to manage their commercial credit card accounts and process credit card transactions; computer software for facilitating payment transactions by electronic means and recording financial operations; computer software for enabling the searching of electronic data; integrated chip cards, namely, magnetically encoded credit cards; prerecorded magnetic data carriers featuring information in the field of banking and financial services; software for facilitating secure payment transactions by electronic means; software relating to identity verification and fraud prevention; mobile application software for online banking; software for providing banking services by means of the Internet, on-line and interactive computer services