ALWAYS

Owners

Goods & Services

Prepaid telephone calling card services

Providing information on goods and services of others to users wherein the user must use an access card containing a pin number to access the information; electronic commerce services, namely storing and providing access to consumer information, such as name, address and purchase history, all via a magnetic strip stored value card; providing others with the ability to conduct an on-line review of purchases made with a stored value card; return management, namely management of returned merchandise without a receipt services when using a stored value card