NET+

CREDIT AND CHARGE CARDS ELECTRONICALLY ENCODED OR WITH MAGNETIC CODING FOR OWNERS OF ELECTRONIC MONEY ACCOUNTS; DEBIT CARDS ELECTRONICALLY ENCODED OR WITH MAGNETIC CODING, FOR OWNERS OF ELECTRONIC MONEY ACCOUNTS

CREDIT AND CHARGE CARDS, WITHOUT MAGNETIC CODING, FOR OWNERS OF ELECTRONIC MONEY ACCOUNTS; DEBIT CARDS, WITHOUT MAGNETIC CODING, FOR OWNERS OF ELECTRONIC MONEY ACCOUNTS

PAYMENT CARD SERVICES, PRE-PAID CARD SERVICES AND STORED-VALUE CARD SERVICES, NAMELY, CARD SERVICES ONLY FOR OWNERS OR INTERNET-BASED, ON-LINE ACCESSIBLE, ELECTRONIC MONEY ACCOUNTS, WHEREBY A PAYMENT CARD, PRE-PAID CARD, OR STORED-VALUE CARD IS USED TO PURCHASE GOODS AND SERVICES FROM PHYSICAL MERCHANTS AND ON-LINE MERCHANTS, ALL FUNDS USED IN SUCH PURCHASES BEING DEBITED FROM THE USER'S ELECTRONIC MONEY ACCOUNT; VIRTUAL CARD SERVICES ONLY FOR OWNERS OF INTERNET-BASED, ON-LINE ACCESSIBLE, ELECTRONIC MONEY ACCOUNTS WHEREBY A COMPUTER PROGRAM PROVIDES THE CONSUMER WITH A VIRTUAL PAYMENT CARD HAVING A ONE-USE-ONLY PAYMENT CARD NUMBER, FOR USE IN PURCHASING GOODS AND SERVICES ON-LINE, BY MAIL, AND BY TELEPHONE, ALL FUNDS USED IN SUCH PURCHASES BEING DEBITED FROM THE USER'S ELECTRONIC MONEY ACCOUNT