42 CONSULTING SERVICES FOR ASSISTING BANKING COMPANIES WITH INTEGRATION FROM MAGNETIC STRIPE CARDS TO OTHER PAYMENT SCHEMES, CARD ISSUANCE, ELECTRONIC PURSE, AND AND MULTI-APPLICATION IMPLEMENTATIONS; CONSULTING SERVICES FOR ASSISTING MOBILE TELECOMMUNICATION COMPANIES WITH VALUE-ADDED SERVICES IN THE GSM ENVIRONMENT, PERSONALIZATION AND OVER-THE-AIR CUSTOMIZATION, PREPAYMENT SOLUTIONS, AND SECURITY SCHEMES; CONSULTING SERVICES FOR ASSISTING WIRELINE TELECOMMUNICATION COMPANIES WITH ELECTRONIC PURSE, PREPAYMENT SOLUTIONS AND SECURITY SCHEMES