9 Computer software; computer hardware; computer firmware; computer e-commerce software; software for processing electronic payments to and from others; authentication software; downloadable software applications; computer software packages; computer software for database management; financial management software; computers; computer apparatus; telecommunication devices and apparatus; data processing apparatus and instruments; apparatus for recording sound; apparatus for recording images; apparatus for transmission of images; apparatus for transmission of sound; apparatus for reproduction of sound; apparatus for reproduction of images; CD ROMS; DVDs; monitors; data terminals; data storage apparatus; credit cards; magnetically encoded debit cards; cash cards (magnetic); cash cards (encoded); electronic identification cards; electronic chip cards; smart cards; cash dispensers; downloadable software applications for mobile phones; facial recognition apparatus; electronic currency converters; security tokens (encryption devices); chronographs (time recording apparatus); computer software, recorded; downloadable computer software programs; computer software applications, downloadable; telephone apparatus; data processing apparatus; video recorders; sound recording apparatus; electronic book readers; DVD players; encoded magnetic cards; chips (integrated circuits); electronic publications, downloadable; Global Positioning System (GPS) apparatus; mobile phone applications, downloadable