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 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 INCLUDING CARDS, KEY FOBS AND TAGS; TRANSPONDERS COMPRISING ASSEMBLIES OF AN ELECTRONIC CIRCUIT AND A RADIO ANTENNAE, THAT ARE USED WITH ELECTRONIC SCANNERS; COMPUTER DEVICES FOR THE MANAGEMENT OF DATA; MAGNETIC ENCODED CARDS, OPTICAL SCANNING DEVICES AND SMART CARDS CONTAINING AN INTEGRATED CIRCUIT CHIP; 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 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; WIRELESS TELECOMMUNICATIONS EQUIPMENT, NAMELY, TRANSPONDERS