COMPUTER HARDWARE, COMPUTER SOFTWARE AND COMPUTER PROGRAMS; COMPUTER SOFTWARE DESIGNED TO FACILITATE ON-LINE SHOPPING AT INTERNET RETAILERS, MERCHANTS AND CONTENT PROVIDERS; COMPUTER SOFTWARE AND HARDWARE FOR FACILITATING PAYMENTS BY ELECTRONIC MEANS; COMPUTER SOFTWARE FOR STORAGE AND TRANSMISSION OF PAYMENT CARD INFORMATION, PERSONAL IDENTIFICATION, PERSONAL CONFIDENTIAL INFORMATION AND BILLING INFORMATION; COMPUTER SOFTWARE COMPRISING A DIGITAL OR ELECTRONIC WALLET FOR STORAGE OF PAYMENT CARD AND PERSONAL INFORMATION OR ELECTRONIC CASH OR VALUE IN A PERSONAL COMPUTER OR A CENTRALIZED DATABASE; COMPUTER HARDWARE AND ENCRYPTION SOFTWARE, ENCRYPTION HARDWARE, 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, AND CORPORATIONS REQUIRING ACCESS TO CONFIDENTIAL INFORMATION; ENCODED KEYS AND KEYS CONTAINING AN INTEGRATED CIRCUIT; KEY READERS; CARD READERS; COMPUTER SOFTWARE DESIGNED TO ENABLE KEYS 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; AND ELECTRONIC AND PASSWORD VERIFICATION APPARATUS FOR VERIFYING AUTHENTICATION OF PERSONAL IDENTITY USED WITH CHARGE CARDS, BANK CARDS, CREDIT CARDS, DEBIT CARDS, PRE-PAID CARDS AND PAYMENT CARDS