9 Downloadable software for facilitating credit card, debit card, and electronic payment transactions, namely, software to allow users to perform electronic business transactions via a global computer network or cellular telephone data network; downloadable software for facilitating, processing, and managing financial transactions, namely, providing and processing multiple types of commercial payment and debt transactions via a global computer network or cellular telephone data network; downloadable software in the nature of a mobile application providing access to business account information; downloadable software in the nature of a mobile application for processing, reviewing and administering credit card transactions over networks, intranets and the internet; downloadable software for processing payment transactions, analyzing merchant transactions, and for evaluating and managing information on business performance and customers; downloadable computer application software for mobile phones, smart phones, pc tablets, and electronic tablets for processing payment transactions, analyzing merchant transactions, and for evaluating and managing information on business performance and customers; downloadable computer software for creating, preparing, managing, sending, processing, tracking, and reconciling invoices; downloadable computer software for issuing receipts regarding mobile payment transactions; downloadable authentication software for controlling access to and communications with computers and computer networks; computer hardware for facilitating and managing payment transactions; authentication software, downloadable, for controlling access to and communications with computers and computer networks