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COMPUTER HARDWARE AND SOFTWARE FOR USE IN ELECTRONIC BUSINESS TRANSACTIONS; 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 KNOWN AS TRANSPONDERS; AND ELECTRONIC VERIFICATION APPARATUS FOR VERIFYING AUTHENTICATION OF CHARGE CARDS, BANK CARDS, CREDIT CARDS, DEBIT CARDS AND PAYMENT CARDS