9 computer software and programs; namely client/server architecture, relational database integration, database management, data access, data control, global communication network access and graphic user interface for business applications; computer software for performing and processing electronic payments and funds transfer; computer software for performing and processing automated clearance and settlement of electronic payments; computer software for use in processing, transmitting, receiving, storing, accounting for and calculating financial information; electric and electronic apparatus and instruments; namely, computers, point of sale terminals, microprocessors, hand-held computational storage and display devices; data processing, transmitting, receiving, storing, accounting and calculating apparatus and instruments; blank magnetic cards, disks and tapes; pre-recorded or encoded magnetic cards, disks and tapes in the banking and financial fields; calculators; money and currency dispensing, depositing and transferring apparatus and instruments; cash dispensers to recharge cards; electronic cash points machines for deposit or withdrawal of funds; communications apparatus and instruments, namely, telephones, electronic or batterypowered terminals, electronic cards and electronic wallets