Computer hardware; integrated circuit memories, magnetic coded cards, electronic data carrier cards, blank smart cards, encoded smart cards containing programming used for financial applications, loyalty programs and rewards programs, computer terminals and computer software for use in the financial services, banking and telecommunications industries for authentication, authorization, clearing and settlement of financial transactions; electrical apparatus and instruments, namely, magnetic coded and electronic data carrier card readers for the registration, transmission, reproduction of data including sound and images; systems for reading memory cards and systems for reading data in memories featuring integrated circuit memories and bank card memories, coded cards, namely, magnetic cards and cards featuring integrated circuits for financial applications; apparatus for reading cards, namely, computer dial terminals, encoders and decoders, namely magnetic coded cards, electronic data carrier cards, magnetic coded card readers, electronic data carrier card readers, electronic encryption units