9 Downloadable computer programs for processing of financial payments involving enabling card verification and authorization, fraud checking, and secure transfer of money for merchant accounts; electronic payment terminals, namely, 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; electronic display interfaces, namely, read-out apparatus for use in the authentication of cashless payment means and read-out apparatus for use in the identification of cashless payment means; electronic terminals for electronically processing credit card payments; electronic pin code entry devices; electronic terminals for the electronic payment of charges with credit cards; electronic apparatus for use in processing financial transactions; Downloadable computer software for handling of financial transactions such as payments by charge cards, bank cards, credit cards, debit cards, stored value cards and payment cards; Downloadable computer software applications for handling of financial payments via mobile phones; electronic verification apparatus for verifying authenticity of bank cards, credit cards, debit cards, charge cards, stored value and/or payment cards; electronic and downloadable publications, namely, magazines, journals, newsletters, articles, manuals, reports, and white papers featuring information related to electronic payment processing services, fraud and identity theft prevention, in relation to electronic payment processing services, risk assessment in relation to electronic payment processing services, analysis of payment transaction data for businesses recorded on computer media; downloadable data namely, publications in the nature of magazines, newsletters, articles, manuals, and white papers in the field of payment processing services, fraud and identity theft prevention in relation to electronic payment processing services, risk assessment in relation to electronic payment processing services, analysis of payment transaction data for businesses; downloadable software for analysis of payment transaction data for use in payment processing services, fraud and identity theft prevention in relation to electronic payment processing services, and risk assessment in relation to electronic payment processing services; Downloadable electronic publications in the nature of newsletters, magazines, journals, manuals, infographics, reports, and white papers relating to research on financial issues and research into payment transaction data and transactions trends