Apparatus for electronic commerce, namely, electronic point of sale terminals, Personal Identification Number (PIN) entry devices and electronic cash registers used to process financial transactions involving debit cards, credit cards, smart cards, check cards, magnetic cards, prepaid phone cards, encoded cards, memory cards, optical memory cards, electronic tokens, checks, money in the form of paper or coins, coupons and vouchers; electronic apparatus associated therewith, namely, printers; electronic data and image capture apparatus, namely, scanners and digital cameras; electronic signature capture apparatus; modems, ports and connections to bank computers and card service networks and card processing and settlement/reconciliation networks and back-office systems; attendance/time clocks, bar code readers, computer terminals, electronic inventory apparatus for tracking incoming and outgoing goods, electronic credit and check verification apparatus, automated teller machines and credit card and debit card and payment card terminals, vending machines, gambling and gaming apparatus, namely, computerized video table games for gaming purposes; kiosk-style self-service machines, namely, automated dispensing machines, electronic unattended payment terminals, electronic card reading terminals; coin-control mechanism for washer/dryer machines, local and wide area networks; computers and computer software for providing access to the internet; software used in apparatus in the field of electronic commerce for electronic payments