Computer hardware, [ computer terminals and ] computer software for use in the financial services, banking, payment and telecommunications industries for authorization, clearing and settlement of financial transactions; computer hardware in the nature of smart cards and card readers containing transponders and other proximity payment devices; electrical apparatus and instruments, namely, [ magnetic coded and ] electronic data carrier card readers for the registration, transmission, reproduction of data; systems for reading memory cards and systems for reading data in memories featuring integrated circuit memories and banking card memories; coded cards namely, [ magnetic cards and ] cards featuring integrated circuits, in particular, for financial applications; apparatus for reading cards, namely, computer dial terminals for data processing systems and financial transaction systems; encoders and decoders, namely, [ magnetic coded cards, ] electronic data carrier cards, [ magnetic coded card readers, ] electronic data carrier cards readers, electronic encryption units