9 Interactive data transfer apparatus, namely, card and code reading devices, networked handheld electronic devices for transmitting pre-recorded information from scanned codes and data cards, computer card adapters, computer networking hardware; Encoded apparatus for use in relation to electronic transfer of data and information, namely, portable data drives, electronic and magnetic cards, microchips, machine-readable cards, encoded key fobs, encoded dongles, encoded labels, encoded wristbands; electronic key fobs containing encoded, machine-readable data for purposes of identification, identity verification, authentication, tracking and monitoring, marketing and advertising, commercial loyalty schemes, financial information; communications equipment, controllers, instruments, apparatus and devices, namely, technology enabled readers, handheld electronic devices for reading, displaying, receiving, processing and transmitting data relating to identification, identity verification, authentication, tracking, monitoring, marketing and advertising, commercial loyalty schemes, financial information; near-field, portable and electronic communication devices, equipment, controllers, instruments and apparatus, namely, technology-enabled readers, encoded near-field communication tags, near-field radio frequency tags, encoded cards in the nature of encoded identity cards and encoded key cards incorporating geolocating and tracking sensors for key access, identity verification, identity authentication, making payments or transferring units of value, magnetic cards in the nature of magnetic identifying cards incorporating geolocating and tracking sensors for key access, identity verification, identity authentication, making payments or transferring units of value, machine-readable cards in the nature of encoded identity cards and encoded key cards incorporating geolocating and tracking sensors for key access, identity verification, identity authentication, making payments or transferring units of value, encoded key fobs in the nature of encoded electronic key fobs being remote control apparatus for key access, identity verification, tracking and geolocating, for operation as an electronic key, for verifying user identity, for authenticating user identity, or for making financial payments, machine-readable key fobs in the nature of electronic key fobs being remote control apparatus for key access, identity verification, tracking and geolocating, for operation as an electronic key, for verifying user identity, for authenticating user identity, or for making financial payments, microchips, encoded labels in the nature of encoded bar code labels, encoded wristbands in the nature of electronically encoded identity wristbands for tracking and geolocating, for operation as an electronic key, for verifying user identity, for authenticating user identity, or for making financial payments, encoded jewellery in the nature of wireless receivers and transmitters in the form of electronically encoded identity jewellery for tracking and geolocating for operation as an electronic key, for verifying user identity, for authenticating user identity, or for making financial payments; downloadable data communications software for monitoring, controlling, and facilitating communications between computers, automated machines, digital transmitters, and remote control apparatus, and encoded and microchipped devices for key access, identity verification, tracking and geolocating, for operation as an electronic key, for verifying user identity, for authenticating user identity, or for making financial payments; parts and fittings for communications apparatus, namely, digital transmitters, hand-held technology-enabled readers, encoded near-field communication tags, near-field radio frequency tags, encoded cards in the nature of encoded identity cards and encoded key cards incorporating geolocating and tracking sensors for key access, identity verification, identity authentication, making payments or transferring units of value, magnetic cards in the nature of magnetic identifying cards incorporating geolocating and tracking sensors for key access, identity verification, identity authentication, making payments or transferring units of value, machine readable cards in the nature of encoded identity cards and encoded key cards incorporating geolocating and tracking sensors for key access, identity verification, identity authentication, making payments or transferring units of value, encoded key fobs in the nature of encoded electronic key fobs being remote control apparatus for key access, identity verification, tracking and geolocating, for operation as an electronic key, for verifying user identity, for authenticating user identity, or for making financial payments, machine-readable key fobs in the nature of electronic key fobs being remote control apparatus for key access, identity verification, tracking and geolocating, for operation as an electronic key, for verifying user identity, for authenticating user identity, or for making financial payments, microchips, encoded labels in the nature of encoded bar code labels, and encoded jewellery and wristbands in the nature of wireless receivers and transmitters in the form of electronically encoded identity jewelry and wristbands for tracking and geolocating, for operation as an electronic key, for verifying user identity, for authenticating user identity, or for making financial payments, handheld electronic devices for reading, displaying, receiving, processing and transmitting data relating to identification, identity verification, authentication, tracking, monitoring, marketing and advertising, commercial loyalty schemes, financial information; remote controllers and remote receivers of electronic and electromagnetic signals for computers, computer systems, handheld data transmitters, all for the purposes of reading, displaying, receiving, processing and transmitting data relating to identification, identity verification, authentication, tracking, monitoring, marketing and advertising, commercial loyalty schemes, financial information; mobile phone accessories, namely, cases for mobile phones, blank USB flash drives and encoded data drives, mobile phone readers and scanners; encoded identification labels carrying magnetically, optically, or electronically encoded information; encoded bar code labels; adhesive labels carrying magnetically, optically, or electronically encoded information; RFID chips being microchips and RFID labels, tags, receivers and readers; electronically encoded identity wristbands; telecommunication apparatus in the nature of wireless receivers and transmitters in the form of jewelry, namely, electronically encoded identity lanyards, neck chains, wrist chains in the nature of bracelets, wristbands and jewellery; telecommunication apparatus in the nature of wireless receivers and transmitters in the form of jewellery that communicates data; near field communication and radio-frequency identification electric and electronic products, namely, technology-enabled readers, encoded near-field communication tags, near-field radio frequency tags, encoded cards in the nature of encoded identity cards and encoded key cards incorporating geolocating and tracking sensors for key access, identity verification, identity authentication, making payments or transferring units of value, magnetic cards in the nature of magnetic identifying cards incorporating geolocating and tracking sensors for key access, identity verification, identity authentication, making payments or transferring units of value, machine-readable cards in the nature of encoded identity cards and encoded key cards incorporating geolocating and tracking sensors for key access, identity verification, identity authentication, making payments or transferring units of value, encoded key fobs in the nature of encoded electronic key fobs being remote control apparatus for key access, identity verification, tracking and geolocating, for operation as an electronic key, for verifying user identity, for authenticating user identity, or for making financial payments, machine-readable key fobs in the nature of electronic key fobs being remote control apparatus for key access, identity verification, tracking and geolocating, for operation as an electronic key, for verifying user identity, for authenticating user identity, or for making financial payments, microchips, encoded labels in the nature of encoded bar code labels, encoded wristbands in the nature of electronically encoded identity wristbands for tracking and geolocating, for operation as an electronic key, for verifying user identity, for authenticating user identity, or for making financial payments, encoded jewellery in the nature of wireless receivers and transmitters in the form of electronically encoded identity jewellery for tracking and geolocating, for operation as an electronic key, for verifying user identity, for authenticating user identity, or for making financial payments; downloadable computer software for use in storing, reading, displaying, receiving, processing and transmitting data relating to identification, identity verification, authentication, tracking, monitoring, marketing and advertising, commercial loyalty schemes, financial information, personal configurations for electric and electronic equipment and apparatus, personal configurations for ergonomic preferences, seating, lighting, computer preferences, speed and temperature; microchips for use in storing, reading, displaying, receiving, processing and transmitting data relating to identification, identity verification, authentication, tracking, monitoring, marketing and advertising, commercial loyalty schemes, financial information, personal configurations for electric and electronic equipment and apparatus, personal configurations for ergonomic preferences, seating, lighting, computer preferences, speed and temperature; electric and electronic products, namely, downloadable software, microchips, technology-enabled readers, near-field communication devices in the nature of near field communication (NFC) technology-enabled readers, encoded near-field communication tags, near-field radio frequency tags, encoded cards in the nature of encoded identity cards and encoded key cards incorporating geolocating and tracking sensors for key access, identity verification, identity authentication, making payments or transferring units of value, magnetic cards in the nature of magnetic identifying cards incorporating geolocating and tracking sensors for key access, identity verification, identity authentication, making payments or transferring units of value, machine-readable cards in the nature of encoded identity cards and encoded key cards incorporating geolocating and tracking sensors for key access, identity verification, identity authentication, making payments or transferring units of value, encoded key fobs in the nature of encoded electronic key fobs being remote control apparatus for key access, identity verification, tracking and geolocating, for operation as an electronic key, for verifying user identity, for authenticating user identity, or for making financial payments, machine-readable key fobs in the nature of electronic key fobs being remote control apparatus for key access, identity verification, tracking and geolocating, for operation as an electronic key, for verifying user identity, for authenticating user identity, or for making financial payments, microchips, encoded labels in the nature of encoded bar code labels, and encoded jewellery and wristbands in the nature of wireless receivers and transmitters in the form of electronically encoded identity jewelry and wristbands for tracking and geolocating, for operation as an electronic key, for verifying user identity, for authenticating user identity, or for making financial payments, all for storing, setting, communicating and loading personal configurations for electric and electronic equipment and apparatus, namely, computers and handheld computers, hard drives, cloud storage, actuators, lighting, ventilation and heating systems; downloadable computer software for inputting, storing, saving, transmitting and recalling personal configurations for ergonomic preferences, seating, lighting, computer preferences, speed and temperature; microchips for inputting, storing, saving, transmitting and recalling personal configurations for ergonomic preferences, seating, lighting, computer preferences, speed and temperature; electric and electronic products, namely, card readers in the nature of electronic card readers and smart card readers, key fob readers in the nature of Near field communication (NFC) technology-enabled readers, electronic and magnetic cards in the nature of electronic and magnetic key cards incorporating geolocating and tracking sensors for key access, identity verification, identity authentication, making payments or transferring units of value, electronic key fobs in the nature of electronic key fobs being remote control apparatus for key access, identity verification, tracking and geolocating, for operation as an electronic key, for verifying user identity, for authenticating user identity, or for making financial payments, card and code reading devices in the nature of magnetic coded card readers, networked handheld electronic devices for transmitting pre-recorded information from scanned codes and data cards, computer card adapters, computer networking hardware, microchips, machine-readable cards in the nature of encoded identity cards and encoded key cards incorporating geolocating and tracking sensors for key access, identity verification, identity authentication, making payments or encoded key fobs in the nature of encoded electronic key fobs being remote control apparatus for key access, identity verification, tracking and geolocating, for operation as an electronic key, for verifying user identity, for authenticating user identity, or for making financial payments, encoded dongles in the nature of USB dongles being wireless network adaptors, encoded labels in the nature of encoded bar code labels, encoded wristbands in the nature of electronically encoded identity wristbands for tracking and geolocating, for operation as an electronic key, for verifying user identity, for authenticating user identity, or for making financial payments, encoded jewellery in the nature of wireless receivers and transmitters in the form of electronically encoded identity jewellery for tracking and geolocating, for operation as an electronic key, for verifying user identity, for authenticating user identity, or for making financial payments, for inputting, storing, saving, transmitting and recalling personal configurations for ergonomic preferences, seating, lighting, computer preferences, speed and temperature; computer storage devices, namely, hard drives in the nature of external computer hard drives, hard discs in the nature of blank hard computer disks, and cloud storage devices in the nature of computer network servers; microchips; encoded cards in the nature of encoded identity cards, encoded key cards, encoded debit and credit cards, encoded loyalty scheme cards, encoded cards for accumulating redeemable points, encoded cards containing personal and health information; magnetically encoded credit cards; magnetically encoded debit cards; smart cards, namely, encoded smart cards containing programming used for storing, reading, displaying, receiving, processing and transmitting data relating to identification, identity verification, authentication, tracking, monitoring, marketing and advertising, commercial loyalty schemes, financial information; microchip cards; cash cards in the nature of magnetically encoded gift cards; SIM cards; flash memory card, namely, pre-recorded flash memory cards featuring recorded software used for storing, reading, displaying, receiving, processing and transmitting data relating to identification, identity verification, authentication, tracking, monitoring, marketing and advertising, commercial loyalty schemes, financial information; electronic key cards; magnetically encoded loyalty rewards points cards; card readers for identity cards, authentication and verification cards, key cards, smart cards, credit cards, loyalty rewards cards; downloadable software for e-commerce for processing transactions, recording and redeeming rewards and loyalty points, accumulating rewards and loyalty points, exchanging rewards and loyalty points, obtaining and redeeming vouchers and coupons, identity authentication and verification, shopping and searching for products and services, reviewing vendors, monitoring and controlling communications between computers, automated machines, digital transmitters, remote control apparatus, and encoded and microchipped devices for key access, identity verification, tracking and geolocating, for operation as an electronic key, for verifying user identity, for authenticating user identity, or for making financial payments, and sales management, customer management and after-sale communication management, auditing, managing of financial flows, linking e-commerce websites to credit, debit and loyalty card networks; downloadable software for the management and conducting of electronic commerce, namely, database management software, product data processing, purchase decision making, monitoring and controlling communications between computers, automated machines, digital transmitters, remote control apparatus, and encoded and microchipped devices for key access, identity verification, tracking and geolocating, for operation as an electronic key, for verifying user identity, for authenticating user identity, or for making financial payments, and sales management, customer management and after-sale communication management, auditing, managing of financial flows, processing transactions, recording and redeeming rewards and loyalty points, accumulating rewards and loyalty points, exchanging rewards and loyalty points, obtaining and redeeming vouchers and coupons, identity authentication and verification, shopping and searching for products and services, reviewing vendors; downloadable software for e-commerce for processing transactions, recording and redeeming rewards and loyalty points, accumulating rewards and loyalty points, exchanging rewards and loyalty points, obtaining and redeeming vouchers and coupons, identity authentication and verification, shopping and searching for products and services, reviewing vendors, monitoring and controlling communications between computers, automated machines, digital transmitters, remote control apparatus, and encoded and microchipped devices, and sales management, customer management and after sale communication management, auditing, managing of financial flows, linking e-commerce websites to credit, debit and loyalty card networks; downloadable software for managing and administering loyalty programs; computer hardware and downloadable software for execution, processing and authentication of payments by credit card, debit card, gift card, prepaid card, and other forms of payment; electronic devices, namely, card readers, computer chip readers, computer terminals, point of sale terminals, and computer hardware and related operating software, all to accept, perform, enable, facilitate, process, use, authenticate and manage payments; downloadable software for performing and managing commercial transactions in the nature of a platform that tracks, accumulates, exchanges and redeems rewards, reward points, loyalty points; downloadable currency conversion software; downloadable software for trading and exchanging assets, currency, units of monetary value, loyalty scheme points; downloadable software for verifying and establishing personal identity; downloadable user authentication software; downloadable computer encryption software; downloadable software for issuing payment receipts; downloadable accounting software; downloadable software to facilitate and manage communications between traders and customers; downloadable software for providing access to databases and platforms; downloadable software for the collection, analysis and reporting of business information in the nature of consumer information, consumer demographics, loyalty points and rewards awarded and redeemed, loyalty points and rewards exchanged, consumer location, consumer identity, consumer and transaction data and information; downloadable software to facilitate and carry out transfers of units of monetary, exchange or commercial value; downloadable software for making payments to vendors and customers on e-commerce platforms and in-store; downloadable banking software for managing financial accounts, loyalty point accounts, currency exchange, customer rewards, transferring units of value, making and receiving payments; downloadable systems integration software for software application integration; downloadable software for performing and managing commercial transactions; downloadable software for the collection, analysis and reporting of business, consumer and transaction data and information; downloadable software to facilitate and carry out transfers of units of value; downloadable software for making payments; downloadable banking software for banking purposes, namely, administering, monitoring, and controlling the custody, loan, exchange, transmission, and issue of monetary instruments and units of financial value