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COMPUTER HARDWARE, COMPUTER SOFTWARE AND COMPUTER PROGRAMS; COMPUTER HARDWARE AND ENCRYPTION SOFTWARE, ENCRYPTION KEYS, DIGITAL CERTIFICATES; DIGITAL SIGNATURES, SOFTWARE FOR SECURE DATA STORAGE AND RETRIEVAL AND TRANSMISSION OF CONFIDENTIAL CUSTOMER INFORMATION USED BY INDIVIDUALS, BANKING AND FINANCIAL INSTITUTIONS; MAGNETIC ENCODED CARDS AND CARDS CONTAINING AN INTEGRATED CIRCUIT CHIP ("SMART CARDS"); CHARGE CARDS, BANK CARDS, CREDIT CARDS, DEBIT CARDS AND PAYMENT CARDS; CARD READERS; COMPUTER SOFTWARE DESIGNED TO ENABLE SMART CARDS TO INTERACT WITH TERMINALS AND READERS; TELECOMMUNICATIONS EQUIPMENT; 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; RADIO FREQUENCY IDENTIFICATION DEVICES (TRANSPONDERS); AND ELECTRONIC VERIFICATION APPARATUS FOR VERIFYING AUTHENTICATION OF CHARGE CARDS, BANK CARDS, CREDIT CARDS, DEBIT CARDS AND PAYMENT CARDS