SWYP

Computer application software for user client devices, namely, software for providing credit card and payment card services involving an adaptive smart card for storing multiple accounts and which is configured to learn and remember a cardholder's use patterns; computer software and hardware for providing credit card and payment card services involving an adaptive smart card for storing multiple accounts and which is configured to learn and remember a cardholder's use patterns; electronic and magnetic ID cards for use in connection with payment for services involving an adaptive smart card for storing multiple accounts and which is configured to learn and remember a cardholder's use patterns

Credit card and payment card services involving an adaptive smart card for storing multiple accounts and which is configured to learn and remember a cardholder's use patterns