computers, computer programs, computer peripherals, printers, scanners, card readers, data capture devices, and optical, electronic and magnetic sensors, all for use in transaction processing systems and for financial applications; electronic data terminals, computers and computer terminals, telephones, and data communications devices which accept smart cards, prepaid cards, credit cards, debit cards and other authorization media and devices for the transfer of data and the approval and consummation of transactions; point of sale/service terminals, computers, computer peripherals, computer programs and data entry and inquiry terminals for operations management, for performing banking transactions of all types, for processing and transferring credit and debit card transactions, payments, account balances, financial data, and other information presented thereto, for personal, retail, wholesale and service industry applications, and for use with on-line services, off-line processing, data communications systems, home banking, home shopping, transaction processing systems, point-of-sale or service systems, and financial transaction information and approval systems; and instructional books distributed therewith