9 apparatus for processing card transactions and data relating thereto and for payment processing, namely, magnetically encoded credit cards, magnetically encoded debit cards, magnetically encoded charge cards, magnetically encoded check cards; encoded smart cards containing programming used to enable the card holder to make a payment to another party at the point of sale, in the field of banking services; apparatus for reading and verifying data on smart cards and magnetically encoded credit, debit, charge and check cards, namely, automatic teller machines, point of sale computer terminals and unattended computerized kiosks used for electronic commerce and banking transactions; pre-recorded magnetic data carriers featuring account identification numbers and expiration date information; computer software and programs for use in database management in the field of banking services; computer hardware; telecommunication apparatus, namely, modems and computer servers