9 Computer programs; computer programs for processing of financial payments involving enabling card verification and authorisation, fraud checking, and secure transfer of money for merchant accounts; computer hardware and software comprising a digital wallet that stores customer account information; apparatus for payment with magnetically encoded cards; apparatus for payment with magnetic memory cards; apparatus for receiving cash payments being credit cards, debit cards, store cards, bank cards, charge cards, gift voucher cards or other payment cards and microchips containing account details; apparatus for receiving cash payments; automatic payment machines; devices incorporating microprocessors for use in fare payments on public transport; machine readable devices for cashless payment systems; magnetic payment cards; payment cards being magnetically encoded; read out apparatus for use in the authentication of cashless payment means; read out apparatus for use in the identification of cashless payment means; tariff devices for recording payment; terminals for electronically processing credit card payments; terminals for the electronic payment of charges with credit cards; scientific apparatus and instruments including telecommunications, signalling, checking (supervision), and teaching apparatus; magnetic data carriers, acoustic disks; and mechanisms for coin-operated apparatus; cash registers, calculating machines, data processing equipment and computers, computers, servers and software for telecommunications, semi-conductors, microprocessors, integrated circuits, computer for micro-programming, software, computer memories, computer peripherals, data processing units and their parts; electronic apparatus and equipment for remote connection to a computer network and/or telecommunications, data processing equipment and computers; electronic data carrier cards, charge cards, bank cards, credit cards, debit cards, stored value cards, payment cards; encoded magnetic card readers, electronic data carrier card readers, electronic encryption units; computer hardware, computer terminals, computer peripheral devices and computer software, electronic apparatus for use in processing financial transactions; computer software relating to the handling of financial transactions such as payments by charge cards, bank cards, credit cards, debit cards, stored value cards and payment cards; computer software applications; electronic verification apparatus for verifying authenticity of bank cards, credit cards, debit cards, charge cards, stored value and/or payment cards; parts and fittings for the aforesaid goods; electronic publications; downloadable data including publications and software; electronic publications relating to research on financial issues and research into payment transaction data and white papers transactions trends