magnetically encoded smart cards containing an integrated circuit chip for electronic consumer and business payment transactions; magnetically encoded charge cards, bank cards, credit cards, debit cards and payment cards, all containing an integrated circuit chip for consumer and business payment transactions; magnetic coded card readers; point of sale transaction terminals; encryption keys and digital certificates for securing electronic data transmissions; computer hardware and computer security software, namely, encryption software; computer software for authentication, encryption and identification in financial and sales transactions; computer operating systems to insure the security of businesses and computer networks, and to provide security and access control; computer operating systems for financial transactions on computer networks