G GRATISCARD

Computer hardware and software for use in point-of-sale transactions and for processing such transactions; Computer system for processing point-of-sale transactions comprised of a machine readable magnetically-encoded card, bar-coded card, machine readable magnetically-encoded and bar-coded card, a magnetically-encoded card reader, a bar code reader and computer software; Magnetically-encoded cards bearing machine-readable information used to securely access personal information including identification, information for use in emergencies, medical information, insurance policy details, names and contact details; Computer hardware and software used to access a data repository of personal information including identification, information for use in emergencies, medical information, insurance policy details, names and contact details

Financial services, namely, Internet-based consumer credit lending services, electronic credit transactions, point-of-sale transaction services, transaction authorization and settlement services, electronic payment processing services, credit transaction verification, payment transaction authentication and verification services, providing financial information via a global computer network, advisory services regarding all of the foregoing services