Computer hardware, computer software, and computer programs related to financial services, namely, software for secure data storage and retrieval and transmission of confidential customer information used by individuals, banking and financial institutions and for the processing of financial transactions via credit, debit, and smart cards; computer hardware and encryption software, software for secure data storage and retrieval and transmission of confidential customer information used by individuals, banking and financial institutions; magnetic encoded and smart card readers; computers designed to enable smart cards to interact with terminals and readers; 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, namely, transponders; and electronic verification apparatus for verifying authentication of charge cards, bank cards, credit cards, debit cards, stored value cards, payroll cards, smart cards, ecoupon cards and payment cards