Encoded smart cards containing programming used to provide identity authentication, facilities access and electronic payment services; downloadable computer software for use in accessing online credit, debit, bank card, smart card and payment card transaction processing services

'access':12,23 'authent':10 'bank':27 'card':3,28,30,33 'comput':18 'contain':4 'credit':25 'debit':26 'download':17 'electron':14 'encod':1 'facil':11 'ident':9 'onlin':24 'payment':15,32 'process':35 'program':5 'provid':8 'servic':16,36 'smart':2,29 'softwar':19 'transact':34 'use':6,21

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