Computer hardware, computer terminals and computer software for use in the financial services, banking and telecommunications industries. Electrical apparatus and instruments for the registration, transmission, reproduction of data including sound and images; magnetic recording supports; apparatus for payment; data processing equipment for financial applications. Systems for reading memory cards and systems for reading data in memories including integrated circuit memories and banking card memories. Cash dispensing machines. Coded cards including magnetic cards and cards including integrated circuits, in particular, for financial applications. Apparatus for reading cards, printing apparatus including printing apparatus for data processing systems and financial transaction systems. Machines for banking establishments. Encoders and decoders, namely, magnetic coded cards, electronic data carrier cards, magnetic coded card readers, electronic data carrier cards, magnetic coded card readers, electronic data carrier card readers, electronic encryption units.