9 apparatus for recording, transmission, processing and reproduction of sound, images or data; blank magnetic data carriers, automatic vending machines and mechanisms for coin-operated apparatus; calculating machines, data processing equipment and computers; blank electronic and optical data carriers; prerecorded electronic, magnetic and optical data carriers featuring information about financial service, insurance services, telecommunications; coded service cards and payment cards, namely, electronic and magnetic ID cards for use in connection with payments for services; magnetically recorded credit cards; readers for electronic data media cards; computer programs for the collection, editing, organizing, modifying, transmission, storage, sharing of data and information in the field of insurance services; computer programs for the collection, editing, organizing, modifying, transmission, storage, sharing of data and information in the field of financial services; computer programs in the field of financial services that allow users to perform financial transactions, computer programs for monitoring financial transactions in the field of electronic fund transfer and payment processing services; computer programs for use in the field of monetary affairs, namely, transmission management; computer programs for use in the field of claims management; computer programs for use in the field of credit assessment; downloadable electronically recorded data, namely, downloadable computer software for use in the field of insurance services, financial services, financial transaction services, monetary affairs, namely, transmission management, claims management and credit assessment; downloadable electronically recorded data, namely, downloadable computer software for monitoring financial transactions in the field of electronic fund transfer and payment processing services; downloadable electronic publications in the field of financial services and insurance services