9 Card readers for credit cards; Chip card readers; Computer hardware and recorded software systems for making, authenticating, facilitating, operating, managing and processing payment transactions with credit cards, debit cards, prepaid cards, payment cards, gift cards, and other payment forms; Downloadable mobile applications for banking, managing bank accounts, transferring money, and processing financial transactions; Point-of-sale terminals; Downloadable computer software for use as an electronic wallet; Electronic card readers; Magnetic coded card readers; Magnetically encoded credit cards; Magnetically encoded debit cards; Magnetically encoded gift cards