Computer hardware; computer peripherals; magnetic coded cards; electronically coded credit and debit cards; magnetic coded card readers; electronically coded card readers; magnetic coded banking cards using magnetic memories and integrated circuit memories; point of transaction terminals; data processors for financial applications; computer software for transmitting, displaying and storing transaction, identification and financial information for use in the financial services, banking and telecommunications industries; computer software for encrypting data and electronic communications; computer software for implementing encryption, authentication, access control and other security features for computer networks and networked servers; computer software for use in database management and risk management; computer operating systems; computer utility programs; network management programs; computer programs for managing, viewing and editing files, documents, electronic mail messages and private network and global computer network communications; electronic access and wireless communication devices, namely personal digital assistants, set top boxes, mobile phones, point of sale devices, and computers; and user manuals sold together with all of the foregoing