MASTERCARD M/CHIP

Computer software comprising a digital or electronic wallet for storage of value in a centralized database to facilitate ecommerce; 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; computer software designed to enable smart cards to interact with terminals and readers; computer software for transmitting, displaying and storing transaction, identification, and financial information for use in the financial services, banking and telecommunications industries; and electronic verification apparatus, namely, computer hardware and software for verifying authentication of charge cards, credit cards, debit cards and payment cards