Magnetically coded cards containing programming used for financial applications, loyalty programs, and rewards programs

'applic':9 'card':3 'code':2 'contain':4 'financi':8 'loyalti':10 'magnet':1 'program':5,11,14 'reward':13 'use':6

Payment authorization services in the nature of enabling others to access funds from demand deposit, debit, and credit accounts at both physical points of sale and online; providing online bill payment services with funds accessed directly from demand deposit, debit, and credit accounts; and loyalty and rewards program in connection therewith

'access':11,35 'account':19,43 'author':2 'bill':30 'connect':50 'credit':18,42 'debit':16,40 'demand':14,38 'deposit':15,39 'direct':36 'enabl':8 'fund':12,34 'loyalti':45 'natur':6 'onlin':27,29 'other':9 'payment':1,31 'physic':22 'point':23 'program':48 'provid':28 'reward':47 'sale':25 'servic':3,32 'therewith':51

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