9 Downloadable computer software for use in connection with financial loan/funding services; computer software for making and processing payment transactions with credit cards, debit cards, gift cards, cash, and other payment forms; analytic tools, namely, software for payment processing and tracking; computer application software for mobile phones, portable media players, handheld computers, and tablets, namely, software for making and processing payment transactions with credit cards, debit cards, gift cards, cash, and other payment forms; analytic tools, namely, software for payment processing and tracking; computer software for graphing, charting, plotting, visualizing displaying, evaluating, manipulating and analyzing structured and non-structured data, namely, free-form text data, social-media data, data store in databases, data stored in files, big data, or streaming data; computer application software for mobile phones, portable media players, handheld computers, and tablets, namely, software for use in detecting patterns in human behavioral characteristics as it relates to financial lending in the field of big data analytics