Electronic devices, namely, computer hardware, smart card readers to secure communications and control access for use in financial, security, retail, transport and vending applications; card readers for magnetically encoded cards, radio frequency identification devices and cards containing an integrated circuit chip; computer operating systems for financial transactions on computer networks; electronic equipment for point-of-sales (POS) systems, namely, point-of-sale terminals, optical readers, advertisement display monitors, radio transmitters, radio receivers, computer hardware, and computer operating software