Downloadable computer software for the provision of instant refunds in any currency; Automatic teller machines (ATM), namely, automatic money processing apparatus for the delivery of money; Cash dispensers, namely, apparatus for receiving cash payments; Downloadable computer programs for financial management and processing payments; Downloadable computer programs for use in financial reporting; Downloadable computer programs for use in transmitting payment processing data relating to financial records; Downloadable computer programs relating to financial and payment matters, namely, for processing electronic payments; Downloadable software applications for facilitating instant refunds in any currency; Electronic financial transaction apparatus, namely, electronic machines for reading credit cards and debit cards and recording financial payment operations; Encoded electronic chip cards, namely, encoded cards for use in the electronic transfer of funds; Magnetically encoded debit payment cards; Credit cards, magnetically encoded; Magnetically encoded credit cards and debit cards; encoded multifunction cards for financial services, namely, encoded electronic chip cards for use in financial transactions; Magnetic multifunction cards for financial services, namely, magnetic coded cards for use in financial transactions; Electronic card readers, namely, terminals for the electronic payment of charges with credit cards; electronic card readers, namely, terminals for electronically processing credit and debit card payments; terminals for electronically processing two-dimensional matrix barcodes, namely, barcode readers
Electrical and Scientific Apparatus