electronic apparatus for identifying users to control access to computer systems

Financial services, namely debit card services and providing on-line access to account transactions for debit card customers via a global computer network

insurance services; namely, providing a benefit trust to both the participating banks and financial institutions which issue credit cards, and to the authorized users of those institutions' automated teller machine (ATM) access cards, wherein each user of an ATM card is insured for, among other things, loss of cash and personalty as a result of robbery incident to a withdrawal of cash from a qualified ATM machine while using an issued, valid, and eligible ATM card