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COMPUTER HARDWARE AND SOFTWARE FOR USE IN ELECTRONIC BUSINESS TRANSACTIONS IN THE NATURE OF THE FOLLOWING-- COMPUTER E-COMMERCE SOFTWARE DESIGNED TO FACILITATE MICRO-PAYMENTS, NAMELY, PAYMENTS RANGING FROM A FEW CENTS TO SEVERAL DOLLARS, TO INTERNET RETAILERS, MERCHANTS AND CONTENT PROVIDERS; COMPUTER SOFTWARE COMPRISING A DIGITAL OR ELECTRONIC WALLET FOR STORAGE OF VALUE IN A CENTRALIZED DATABASE TO FACILITATE E-COMMERCE; COMPUTER HARDWARE IN THE NATURE OF ENCRYPTION KEYS AND ENCRYPTION SOFTWARE FOR CREATING DIGITAL CERTIFICATES AND DIGITAL SIGNATURES, COMPUTER SOFTWARE FOR SECURE DATA STORAGE AND RETRIEVAL AND TRANSMISSION OF CONFIDENTIAL CUSTOMER INFORMATION USED BY INDIVIDUALS, BANKING AND FINANCIAL INSTITUTIONS; MAGNETIC ENCODED CARDS AND SMART CARDS CONTAINING AN INTEGRATED CIRCUIT CHIP CARDS FOR ELECTRONIC BUSINESS TRANSACTIONS; MAGNETICALLY ENCODED CHARGE CARDS, BANK CARDS, CREDIT CARDS, DEBIT CARDS AND PAYMENT CARDS IN THE FINANCIAL SERVICES INDUSTRY; CARD READERS FOR MAGNETICALLY ENCODED CARDS AND CARDS CONTAINING AN INTEGRATED CIRCUIT CHIP; COMPUTER SOFTWARE DESIGNED TO ENABLE MAGNETICALLY CODED CARDS TO INTERACT WITH TERMINALS AND READERS IN THE FINANCIAL SERVICES INDUSTRY; TELECOMMUNICATIONS EQUIPMENT, NAMELY ELECTRONIC 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, NAMELY SOFTWARE AND HARDWARE COMPONENTS FOR VERIFYING AUTHENTICATION OF CHARGE CARDS, BANK CARDS, CREDIT CARDS, DEBIT CARDS AND PAYMENT CARDS