9 Electronic apparatus for controlling access to computers and computerized systems; computer software for controlling access to computers and computerized systems; electronic apparatus for generating codes for accessing computers and computerized systems; computer software for generating codes for accessing computers and computerized systems; electronic apparatus for controlling access to banking services, savings and investment services, and transaction authorization and settlement services, and computer software for controlling access to banking services, savings and investment services, transaction authorization and settlement services; electronic apparatus for generating codes for accessing banking services, savings and investment services and transaction authorization and settlement services and computer software for generating codes for accessing banking services, savings and investment services, and transaction authorization and settlement services; encoded security passes; magnetically encoded and encodeable credit, debit, charge, cash withdrawal, and banking services access cards