40 Manufacturing services for others of blank cards, blank smart cards, blank integrated circuit cards, and blank electronic chip cards; Manufacturing services for others of encoded and non-encoded cards for personalization and use as credit cards, debit cards, smart cards, RFID cards, gift cards, loyalty cards, membership cards, retail cards, check cards, transaction cards, authentication tokens, hardware wallets, or casino cards; manufacturing services for others of cards encoded with security features for identification and authentication purposes and radio frequency identification (RFID) credentials; Manufacturing services for others of smart cards and smart hardware tokens encoded with program instructions used to store, generate or use, personal identification or authentication data, personal identification numbers, PKI certificates, cryptographic keys and encryption keys, and authentication security token software