Point-of-sale terminals for making contactless payments; Electronic point-of-sale (POS) systems comprised primarily of point-of-sale terminals, bar code readers, touchscreen monitors, keyboards, document printers, scanners, and recorded operating software; Downloadable computer software, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment; Downloadable software for processing a...