Computer hardware; computer hardware in the nature of [ magnetically encoded ] smart cards containing an integrated circuit chip for electronic consumer and business payment transactions; card readers for [ magnetically encoded ] cards, [ magnetically encoded ] charge cards, bank cards, credit cards, debit cards and payment cards, all containing an integrated circuit chip for consumer and business payment transactions; telecommunications equipment, namely, transponders; computer hardware and computer software for authentication, encryption and identification in financial and sales transactions; computer security software, namely, encryption software; computer operating systems for financial transactions on computer networks