9 MAGNETICALLY ENCODED CREDIT, DEBIT, STORED VALUE AND PREPAID TELEPHONE CALLING CARDS, AND ELECTRICALLY ENCODED INTEGRATED CIRCUIT CARDS CONTAINING PROGRAMMING, AND CARDS EMBEDDED WITH OTHER ELECTRONIC COMPONENTS, NAMELY, ANTENNAE, VISUAL DISPLAYS, AUDIO FREQUENCY GENERATORS, BATTERIES, OR INTEGRATED CIRCUITS, ALL USED IN PART TO IMPLEMENT BANKING AND FINANCIAL TRANSACTIONS, NAMELY, BANKING AND CREDIT, DEBIT, STORED VALUE AND PREPAID TELEPHONE CALLING CAPABILITIES; AND ELECTRONIC TRANSACTIONS, NAMELY, ELECTRONICALLY CASH TRANSACTIONS, ELECTRONIC CREDIT CARD TRANSACTIONS, ELECTRONIC DEBIT TRANSACTIONS, AND ELECTRONIC STORED VALUE CARD TRANSACTIONS; MAGNETIC STRIPE CARDS, SMART CARDS AND ENHANCED SMART CARDS, FEATURING CAPABILITY FOR DOWNLOADING AND MAINTENANCE OF CARD-BASED AND OFF-CARD BASED SOFTWARE USED TO ENABLE ACCESS TO SITES ON THE GLOBAL COMPUTER INFORMATION NETWORK AND TO ENABLE ELECTRONIC BUSINESS TRANSACTIONS AND ELECTRONIC FUNDS TRANSFER, AND CONTAINING PERSONAL USER INFORMATION, NAMELY, USER IDENTIFICATION DATA, PASSWORDS, PROFILE INFORMATION, CREDIT CARD DATA, FAVORITE WEB SITES, AND USER LOYALTY DATA TO ENABLE INTERCHANGE OF LOYALTY POINTS BETWEEN THE USER AND PHYSICAL AND VIRTUAL MERCHANTS, AND ELECTRONIC COUPON DATA FOR REDEMPTION IN PHYSICAL MERCHANT LOCATIONS, DATA THAT MAY BE USED IN ELECTRONIC BUSINESS TRANSACTIONS AND ELECTRONIC FUNDS TRANSFER, AND EMERGENCY HEALTH DATA FOR ACCESS BY EMERGENCY MEDICAL PERSONNEL, ALL ACCOMPLISHED IN PART VIA THE GLOBAL COMPUTER INFORMATION NETWORK; READERS FOR MAGNETIC STRIPE CARDS; SMART CARDS AND ENHANCED SMART CARDS; COMPUTER SOFTWARE THAT ENABLES THE USER TO EMPLOY MULTIPLE MAGNETIC STRIPE CARDS, SMART CARDS AND ENHANCED SMART CARDS AND PROVIDES THE GRAPHICAL USER INTERFACE TO EMPLOY SUCH CARDS ON THE GLOBAL COMPUTER INFORMATION NETWORK