9 COMPUTER HARDWARE, COMPUTER SOFTWARE AND COMPUTER PROGRAMS, NAMELY, COMPUTER HARDWARE AND SOFTWARE TO FACILITATE PAYMENT TRANSACTIONS INVOLVING THE USE OF ACCOUNT IDENTIFICATION NUMBERS WITHOUT CARDS, COMPUTER HARDWARE AND ENCRYPTION SOFTWARE, ENCRYPTION KEYS, DIGITAL CERTIFICATES, DIGITAL SIGNATURES, SOFTWARE FOR SECURE DATA STORAGE AND RETRIEVAL AND TRANSMISSION OF CONFIDENTIAL CUSTOMER INFORMATION USED BY INDIVIDUALS, BANKING AND FINANCIAL INSTITUTIONS, COMPUTER SOFTWARE FOR TRANSMITTING, DISPLAYING AND STORING TRANSACTION, IDENTIFICATION, AND FINANCIAL INFORMATION FOR USE IN THE FINANCIAL SERVICES AND BANKING INDUSTRIES, AND ELECTRONIC VERIFICATION HARDWARE FOR VERIFYING AUTHENTICATION OF CHARGE CARDS, BANK CARDS, CREDIT CARDS, DEBIT CARDS AND PAYMENT CARDS; CARDS CONTAINING AND INTEGRATED CIRCUIT CHIP, NAMELY, CREDIT CARDS, DEBIT CARDS AND OTHER PAYMENT CARDS