9 Computer operating software; Computer software for application and database integration; Computer software for creating searchable databases of information and data; Computer software for the collection, editing, organizing, modifying, book marking, transmission, storage and sharing of data and information; Computer software platforms for reporting, analysis and decision making; Computer software platforms for behavioral (descriptive, diagnostic, prescriptive, predictive) analytics for all entities in payment landscape (consumers, merchants, third party processors, agents, channels); Computer software that provides web-based access to applications and services through a web operating system or portal interface including desktop, web, mobile, cloud; Computer software to automate data warehousing; Computers for use in data management; Downloadable cloud computer software for use in database management, use in electronic storage of data, for creating searchable databases of information and data, for behavioral analytics for all entities in payment landscape