computer programs; software; downloadable software; downloadable image and sound files; electronic verification devices to verify the authentication of recharge cards, bank cards, credit cards, debit cards, prepaid cards, cards payment and billing cards; digital signatures; cards containing an integrated circuit chip (smart cards); collection cards; expense cards, bank cards, credit cards, debit cards and magnetically encoded payment cards; credit cards, bank cards, credit cards, debit cards, prepaid cards, payment cards; encoded magnetic cards and cards containing an integrated circuit chip (smart cards); encoded magnetic cards, optical scanning devices and smart cards containing a integrated circuit chip; encoded magnetic cards; digital certificates; encryption keys; computer data management devices; radio frequency identification devices (transponders); wireless telecommunications equipment, namely transponders; electronic verification devices, namely computer hardware and software for authentication of payment cards, bank cards, credit cards, debit cards and payment cards; telecommunications equipment, namely electronic terminals for point-of-sale transactions and computer software for transmission, display and storage of transaction, identification and financial information for use in the financial services and telecommunications and banking industries; hardware comprising electronic scanners that are used with magnetic activation devices including cards, key tags and transponder tags comprising circuit sets electronics, radio antennas that are used with electronic scanners; computer hardware and encryption software, encryption keys, digital certificates, digital signatures, software for data storage security and restoration and transmission of confidential customer information used by individuals, banking and financial institutions; computer hardware in the form of devices containing an integrated circuit chip and proximity payment devices known as transponders; computer hardware, computer peripherals and software for use in electronic and wireless consumer and commercial transactions, namely computer hardware, software and peripherals to facilitate electronic and wireless payments; computer hardware, computer software and computer programs designed to facilitate small payments to retailers on the global computer network, merchants and content providers; computer hardware and computer software for secure encryption and data storage and restoration and transmission of customer, account and transaction information used by individuals, financial institutions and banks; computer hardware and software to facilitate access to payment accounts for electronic and wireless commerce; card readers; card readers for encoded magnetic cards and cards containing an integrated circuit chip; terminals for point-of-sale transactions; computer software comprising a digital or electronic payment program for storing personal payment card information and monetary or electronic value in a personal computer or centralized database; computer software designed to allow smart cards to interact with terminals and readers; computer software designed to allow smart cards to operate with terminals and readers; computer software for transmission, display and storage of transaction, identification and financial information for use in the financial, banking and telecommunications industries; computer software designed to allow magnetically or optically encoded cards and smart cards containing an integrated circuit chip to interact with terminals and card readers in the financial services industry; computer software and hardware for payments between individuals by electronic means; software to secure the storage, retrieval and transmission of sensitive customer data for use by individuals; terminals for point-of-sale transactions and payment software computer for transmission, display and storage of transaction, identification and financial information for use in financial, banking and telecommunications applications; computer application software for use in the area of bank, credit, and debit cards