Apparatus and instruments for sound, image or data recording, transmission, reproduction or processing; mechanisms for coin-operated apparatus; calculating devices; computers and computer peripherals; communication software to enable customers to access their bank account information and to process bank transactions; e-commerce software enabling users to carry out commercial transactions by electronic means via a global computer network; secure terminals for electronic transactions; microchip cards; blank electronic chip cards (blank smart cards); credit card encoding machines (computer peripherals); software and computer programs for trading securities electronically; day trading software.