9 electronic access cards; cards with electronically coded data; integrated circuits; electronic identification and authentication device; encoded integrated circuit cards containing programming used to establish access to electronic communications encoded integrated circuit cards containing programming used to establish access to, and communications with, computers, wireless devices, telephones, televisions, and other electronic devices; encoded integrated circuit cards containing programming used to establish access to, and communications with, electronic communications networks in connection with financial, commercial and personal transactions; electronic device for authenticating to and accessing online bank account information services; electronic device for authenticating payment transactions; electronic device for authenticating securities trades; electronic apparatus, namely, microprocessor-based unit and related software used to establish access to electronic communications networks; bank-card form factor, and near-bank card form factor electronic devices; software for electronic communication network access, communication, or authentication in connection with the foregoing