9 MAGNETICALLY OR OPTICALLY ENCODED CARDS AND TOKENS; SMART CARDS AND TOKENS; COMPUTER SOFTWARE AND PROGRAMS FOR USE IN IDENTIFYING, AUTHORIZING, AUTHENTICATING AND VERIFYING INDIVIDUALS, ORGANIZATIONS, DOCUMENTS AND TRANSACTIONS; COMPUTERS FOR USE IN IDENTIFYING, AUTHORIZING, AUTHENTICATING AND VERIFYING INDIVIDUALS, ORGANIZATIONS, DOCUMENTS AND TRANSACTIONS; EN CODERS, DECODERS AND READERS FOR MAGNETICALLY OR OPTICALLY ENCODED CARDS AND TOKENS AND FOR SMART CARDS; TELECOMMUNICATIONS APPARATUS AND EQUIPMENT, NAMELY TELEPHONES AND CELLULAR TELEPHONES INCORPORATING OR ADAPTED FOR CONNECTION TO CARD OR TOKEN READERS OR BIOMETRIC DEVICES