COMPUTER HARDWARE AND SOFTWARE FOR USE IN ELECTRONIC BUSINESS TRANSACTIONS IN THE NATURE OF THE FOLLOWING-- COMPUTER E-COMMERCE SOFTWARE DESIGNED TO FACILITATE PAYMENTS TO RETAILERS, MERCHANTS AND CONTENT PROVIDERS; COMPUTER SOFTWARE FOR SECURE DATA STORAGE AND RETRIEVAL AND TRANSMISSION OF CONFIDENTIAL CUSTOMER INFORMATION USED BY INDIVIDUALS, BANKING AND FINANCIAL INSTITUTIONS; MAGNETIC ENCODED CARDS AND 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 AND INTEGRATED CIRCUIT CHIP; COMPUTER SOFTWARE DESIGNED TO ENABLE SMART CARDS TO INTERACT WITH TERMINALS AND READERS; TELECOMMUNICATIONS EQUIPMENT, NAMELY, TELEPHONES, FACSIMILE MACHINES AND TELECOMMUNICATIONS SWITCHES; POINT OF SALE TRANSACTION TERMINALS, NAMELY, CASH REGISTERS; COMPUTER SOFTWARE FOR TRANSMITTING, DISPLAYING AND STORING TRANSACTION, IDENTIFICATION AND FINANCIAL INFORMATION FOR USE IN THE FINANCIAL SERVICES, BANKING AND TELECOMMUNICATION INDUSTRIES; RADIO FREQUENCY IDENTIFICATION DEVICES, NAMELY, TRANSPONDERS; ELECTRONIC VERIFICATION APPARATUS FOR VERIFYING AUTHENTICATION OF CHARGE CARDS, BANK CARDS, CREDIT CARDS, DEBIT CARDS, AND PAYMENT CARDS