COMPUTER HARDWARE, COMPUTER SOFTWARE AND COMPUTER PROGRAMS; COMPUTER SOFTWARE DESIGNED TO FACILITATE MICRO-PAYMENTS TO INTERNET RETAILERS, MERCHANTS AND CONTENT PROVIDERS; COMPUTER SOFTWARE AND HARDWARE FOR PERSON-TO-PERSON PAYMENTS BY ELECTRONIC MEANS; COMPUTER SOFTWARE COMPRISING A DIGITAL OR ELECTRONIC WALLET FOR STORAGE OF PAYMENT CARD AND PERSONAL INFORMATION AND ELECTRONIC CASH OR VALUE IN A PERSONAL COMPUTER OR A CENTRALIZED DATABASE; 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, PRE-PAID CARDS AND PAYMENT CARDS; CARD READERS; COMPUTER SOFTWARE 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; TELECOMMUNICATIONS EQUIPMENT, NAMELY, TRANSPONDERS; AND ELECTRONIC VERIFICATION APPARATUS FOR VERIFYING AUTHENTICATION OF CHARGE CARDS, BANK CARDS, CREDIT CARDS, DEBIT CARDS, PRE-PAID CARDS AND PAYMENT CARDS