Downloadable computer software for processing financial transactions; downloadable computer software in the nature of a mobile application for processing financial transactions; card readers, namely, electronic card readers, magnetic encoded card readers; electronic and magnetic data sensors and computer peripherals; transaction processing terminals for electronic financial transactions, namely, credit card, debit card, loyalty card, magnetic card, smart card and transaction processing terminals for electronic financial transactions; data entry and inquiry terminals for processing and transferring credit and debit card transactions, payments and financial data and downloadable computer software for operating such terminals; secure terminals for the electronic transactions and transmission of data with a card or contactless payment; near field communication (nfc) technology-enabled readers for financial transactions; downloadable software for managing health savings accounts (HSA), flexible spending accounts (FSA), and electronic benefits transfer (EBT) transactions; downloadable mobile applications for processing payments and managing financial transactions related to health savings accounts (HSA), flexible spending accounts (FSA), and electronic benefits transfers (EBT)