COMPUTER HARDWARE, COMPUTER PERIPHERALS AND SOFTWARE FOR USE IN ELECTRONIC AND WIRELESS BUSINESS AND CONSUMER TRANSACTIONS, NAMELY, COMPUTER HARDWARE, PERIPHERALS AND SOFTWARE TO FACILITATE PAYMENTS BY ELECTRONIC AND WIRELESS MEANS; COMPUTER HARDWARE AND SOFTWARE TO FACILITATE ACCESS TO PAYMENT ACCOUNTS FOR THE PURPOSE OF COMMERCE BY ELECTRONIC AND WIRELESS MEANS; COMPUTER HARDWARE IN THE NATURE OF DEVICES CONTAINING AN INTEGRATED CIRCUIT CHIP AND PROXIMITY PAYMENT DEVICES KNOWN AS TRANSPONDERS; HARDWARE COMPRISING ELECTRONIC SCANNERS THAT ARE USED WITH MAGNETIC ACTIVATION DEVICES, NAMELY, CARDS CONTAINING A RADIO-FREQUENCY IDENTIFICATION DEVICE FOR PURPOSES OF CARDHOLDER AUTHENTICATION INCLUDING CARDS, KEY FOBS CONTAINING A RADIO-FREQUENCY IDENTIFICATION DEVICE FOR PURPOSES OF CARDHOLDER AUTHENTICATION; TRANSPONDER ASSEMBLIES COMPRISING AN ELECTRONIC CIRCUIT AND A RADIO ANTENNAE THAT ARE USED WITH ELECTRONIC SCANNERS; COMPUTER HARDWARE AND SOFTWARE FOR ENCRYPTION AND SECURE DATA STORAGE AND RETRIEVAL AND TRANSMISSION OF CUSTOMER, ACCOUNT AND TRANSACTION INFORMATION USED BY INDIVIDUALS, BANKING AND FINANCIAL INSTITUTIONS; CARD READERS FOR MAGNETICALLY ENCODED CARDS AND CARDS CONTAINING AN INTEGRATED CIRCUIT CHIP; COMPUTER SOFTWARE DESIGNED TO ENABLE MAGNETICALLY OR OPTICALLY CODED CARDS AND SMART CARDS CONTAINING AN INTEGRATED CIRCUIT CHIP TO INTERACT WITH TERMINALS AND CARD READERS IN THE FINANCIAL SERVICES INDUSTRY; 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; WIRELESS TELECOMMUNICATIONS EQUIPMENT, NAMELY, TRANSPONDERS; AND ELECTRONIC VERIFICATION APPARATUS, NAMELY, COMPUTER HARDWARE AND SOFTWARE FOR AUTHENTICATING CHARGE CARDS, BANK CARDS, CREDIT CARDS, DEBIT CARDS AND PAYMENT CARDS