9 Apparatus for recording, transmission or reproduction of data, sound or images; data processing equipment; computer hardware; computers; cash registers; electronic payment terminals; money dispensing machines, namely, automated teller machines (ATM); money counting machines; money sorting machines; card readers, namely, electronic card readers, chip card readers and magnetic coded card readers; biometric identification apparatus; computer firmware for operating cash registers, electronic payment terminals, automated teller machines (ATM), money counting machines, money sorting machines, electronic card readers and biometric identification apparatus; computer software for accounting, for authentication of data, information and messages, and for conducting business research, content management, customer relationship management, contract management, cost analysis, cost calculation, database management, data encryption, data decryption, financial clearing and reconciliation, financial management, financial research, fraud detection, human resources management, payroll processing, pricing of products, processing financial transactions and electronic payments, project management, risk management, tax preparation, and workflow management; computer software for telecommunications, namely, for digital network telecommunications, personal communications, video conferencing, web conferencing and telephone conferencing; electronic computer databases in the field of business accounting information, information for the authentication of data, business research data, information for customer relationship management, information for contract management, information for cost analysis and cost calculation, information for data encryption and data decryption, information for financial clearing and reconciliation, information for financial management, financial research data, information for fraud detection, information for human resources management, payroll processing data, information for pricing of products, information for processing financial transactions and electronic payments, information for project management, information for risk management, information for tax preparation, information for telecommunications, and information for workflow management, recorded on computer media; downloadable electronic publications in the nature of books, brochures, magazines, manuals and reports featuring business, technical and legal issues of the insurance, financial and payment industry; magnetically encoded cards, namely, encoded credit cards, encoded debit cards, encoded identity cards, encoded key cards and encoded pre-paid telephone calling cards; digital recording media, namely, blank digital storage media