Magnetic-encoded cards

Financial services, namely, money transfer services, electronic funds transfer services, bill payment services, automatic teller machine services, debit and stored value card services and direct deposit services; funds transfer services, namely the transfer of funds from and to financial institutions, from and to credit card accounts and from and to members; electronic cash transactions, namely automatic teller machine cash withdrawals available at automated teller machines; person to person and person to business money transfer services offered via the Internet and electronic mail; automated financial clearing houses, debit card services and electronic funds transfers; electronic payments, namely, electronic processing and transmission of bill payment data