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Cell phone covers; card readers for magnetically encoded cards; blank smart cards; electronic and magnetic ID cards for use in connection with payment for services; biometric identification apparatus; devices for cellular phones in the nature of a cell phone cover featuring a biometric identification apparatus, a display for presenting bar codes, an apparatus for storing information on magnetically encoded cards and an apparatus for storing information on smart cards all incorporated therein as a single unit; computer hardware and software sold as a unit for storing information related to credit cards, loyalty cards, gift cards, membership cards, financial information, identification information and personal information and for retrieving and presenting the information upon request