9 Mobile end devices and parts thereof, namely personal digital assistants, card readers and mobile phones, for data processing and telecommunications systems; software for telecommunications, namely, communications software for connecting telephone, computer and mobile end device communications networks; software for electronic banking, namely, software to allow customers to access bank account information and transact bank business; software for electronic brokerage, namely, software to enable and automate the brokerage of financial instruments and interests in financial instruments; software for electronic payment, namely, software for electronic processing and transmission of bill payment data and transmission and processing of funds; software for mobile security for use in mobile end devices and parts thereof, namely, protection programs, security programs and encryption programs for use in personal digital assistants, card readers and mobile phones; software for electronic commerce, namely, software to automate and enable electronic business transactions; and software for electronic government, namely, software to automate and enable electronic communication and transactions with governmental agencies; blank electronic chip cards; encoded electronic chip cards containing programming for user authentication, user authorization, user tracking, electronic signature issuance and confirmation, access control and electronic bill payment, in the fields of electronic commerce, electronic government, electronic banking, telematics, defense and network access; blank electronic chip smart cards and card readers therefor; encoded electronic chip smart cards containing programming for user authentication, user authorization, user tracking, electronic signature issuance and confirmation, access control and electronic bill payment, in the fields of electronic commerce, electronic government, electronic banking, telematics, defense and network access, and card readers therefor; and computer interface boards for use in encryption