Downloadable computer software and firmware for interacting with supported payment instruments; Downloadable computer software and firmware for storing, generating and confirming user identification, authorization and payment information; Encoded smart cards containing programming used for access authorization; Encoded smart cards containing programming used for conducting payment transactions; Encoded smart cards containing programming used for interacting with other payment instruments; Encoded smart cards containing programming used for transacting with payment card readers, and automated teller machines; Encoded smart cards containing programming used to connect with personal computing devices; Magnetically encoded credit cards; Magnetically encoded debit cards; Downloadable computer software for interacting with supported payment instruments
Electrical and Scientific Apparatus