36 financial services, namely, banking, credit, debit and stored value card services; and electronic financial processing and transaction services, namely, electronic cash, asset and liability-based, and credit, debit and stored value card transactions and financial and account information provided by electronic means, all provided via magnetic stripe cards and electrically encoded chip cards, namely, smart cards, enabling access to sites on the Internet, by emergency medical personnel to emergency health data, by authorized persons to personal data, and interchange of loyalty points between the user and physical and virtual merchants, electronic coupon data for redemption in physical merchant locations, and data that may be used in electronics business transactions and electronic funds transfer, all accomplished in part via the global computer information network