9 Downloadable computer software and applications for mobile devices for use in account opening, maintenance, instructions in the fields of finance and investment; Downloadable computer software and applications for mobile devices featuring technology that guides users through the alternative investment process; Downloadable computer software and applications for mobile devices for facilitating and administering banking, payment by credit card, debit card, or payment card, automatic teller machine services, stored value card services, electronic funds transfer services, electronic payment services, electronic processing and transmission of bill payment data, cash disbursement services, transaction authentication services, routing, authorization and settlement services, digital wallet services, and fraud detection and control services; Charge cards, bank cards, credit cards, debit cards, chip cards, stored value cards, electronic data carrier cards, and payment cards all encoded