9 Electronic data terminal devices that accept smart cards, credit cards and debit cards for encrypting, authorizing and transferring credit and debit card transactions; software for operating electronic data terminals that accept smart cards, credit cards and debit cards for encrypting, authorizing and transferring credit and debit card transactions; software for operating electronic data terminals that accept smart cards, credit cards and debit cards for encrypting, authorizing and transferring credit and debit card transactions, and instruction manuals sold as a unit therewith