9 data processors; recorded computer program for data switching and database management; computer assistant apparatus, namely, computer cables, computer chips, computer disc drives, computer interface boards, computer keyboards, computer memories, computer monitors, computer mouse, computer network hubs, switches and routers, and computer peripherals; computer software for data switching, database management, accessing information directories that may be downloaded from the global computer network, application and database integration, automating data warehousing, controlling and improving computer and audio equipment sound quality, allowing customers to access bank account information and transact bank business and allowing users to perform electronic business transactions via a global computer network; data processing equipment, namely computer connector cords; information micro-processors; blank intelligent cards, namely, smart cards containing integrated circuits; information switching based integrated service application system comprising access gateway, switch network, server, central data switcher, data processor and router used for connecting any service providers' application systems and devices accessed to any communication networks, such as, data network, wireless network, telecommunications network, cable television network, pager network, etc.; information switching system comprising server, central data switcher, data processor and router making different types of communicating networks communicate mutually, such as data network, wireless network, telecommunications network, cable television network, pager network