Computer hardware, computer software used to process micro-payments to Internet retailers, merchants and content providers; computer software and hardware for electronic processing of person-to-person payment data; computer software in the nature of a digital or electronic wallet, namely, for the storage of payment card and personal information and electronic cash or value data in a personal computer or in a centralized database; computer hardware and computer software for secure data storage and retrieval and transmission of confidential customer information used by individuals, banking and financial institutions; magnetic encoded cards and smart cards containing an integrated circuit chip for electronic business transactions; magnetically encoded charge cards, bank cards, credit cards, debit cards and payment cards; card readers for magnetically encoded cards and cards containing an integrated circuit chip; computer software designed to enable smart cards to interact with terminals and readers; telecommunications equipment, namely electronic 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, pre-paid cards and payment cards, namely, electronic verification readers