WEBATM

computer hardware, namely, a computer operating system, computer software, namely, a computer operating program, and peripherals, namely, a free-standing, publicly-located kiosk, branded card-swipe/PIN-pad terminal, and a magnetically or digitally encoded card to facilitate the provision of bank, credit card, investment, insurance, and personalized information services and the payment of bills and purchase of retail goods; and for providing access to a global computer communications network or a local computer communications network and allowing users to electronically transmit and receive messages and data relating to personalized bank and financial transactions; to perform personalized electronic transactions relating to, namely, bank and credit card account management, bill paying, stock and annuity portfolios, stock and mutual fund trading, financial research, insurance, and retirement planning; to electronically purchase and sell products from and to others; to electronically transmit and receive messages and data relating to personalized information services, namely, identification verification, private health data, and medical prescriptions and other medical services; and to allow the secure transfer of messages and data among financial, bank and insurance institutions and businesses via a global computer communications network or a local computer communications network