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Card readers for credit cards; Credit card terminals; Electronic card readers; Chip card readers; Downloadable payment gateway software for linking e-commerce websites to credit card processing networks; Downloadable computer software, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment; Electronic payment terminal; Multi-functional electronic payment terminals; Point-of-sale terminals for making contactless payments; Smart card readers