Computer hardware and software for use in electronic business transactions in the nature of the following - computer e-commerce software designed to facilitate micro-payments to internet retailers, merchants and content providers; computer software comprising a digital or electronic wallet for storage of value in a centralized database to facilitate ecommerce; computer hardware in the nature of encryption keys and encryption software for creating digital certificates and digital signatures, computer software for secure data storage and retrieval and transmission of confidential customer information used by individuals, banking and financial institutions; magnetically encoded smart cards containing an integrated circuit chip for electronic business transactions; magnetically encoded charge cards, bank cards, credit cards, debit cards and payment cards; card readers for magnetically encoded cards and cards containing an integrated circuit chip; computer software designed to enable smart cards to interact with terminals and readers; telecommunications equipment, namely electronic point of sale transaction terminals and computer software for transmitting, displaying and storing transaction, identification, and financial information for use in the financial services, banking and telecommunications industries; telecommunications equipment, namely, radio frequency identification devices known as transponders; and electronic verification apparatus, namely, computer hardware and software for verifying authentication of charge cards, bank cards, credit cards, debit cards and payment cards