Downloadable computer software for use in linking open loop and closed loop accounts, enabling open loop and closed loop network transactions and money transfer operations involving the open loop and closed loop accounts; Encoded electronic chip cards for use as multi-purpose cards, reloadable cards, prepaid cards and debit cards, issued for use in open loop and closed loop networks, namely, cards for use inside and outside casino gaming establishments and with player loyalty systems; Encoded electronic chip cards for linking open loop and closed loop customer accounts for use in transactions involving open loop and closed loop networks; Magnetic coded cards for use as multi-purpose cards, reloadable cards, prepaid cards and debit cards, issued for use in open loop and closed loop networks, namely, cards for use inside and outside casino gaming establishments and with player loyalty systems; Magnetic coded cards for linking open loop and closed loop customer accounts for use in transactions involving open loop and closed loop networks; Downloadable computer application software for mobile phones, namely, software for managing open loop and closed loop customer accounts, enabling open loop and closed loop network transactions and money transfer operations involving the open loop and closed loop accounts both with or without a card, integrated chip card, magnetically or non-magnetically encoded cards or smart card; Downloadable computer software, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment; Magnetically encoded charge cards; Magnetically encoded credit cards; Magnetically encoded debit cards