9 Downloadable computer software using artificial intelligence for aggregation, compilation, processing, research and analysis of data and information on persons and corporations in the fields of, finance, banking and insurance; downloadable mobile application using artificial intelligence for aggregation, compilation, processing, research and analysis of data and information on persons and corporations in the fields of, financing, banking and insurance; downloadable computer software using artificial intelligence to facilitate customer service for others, namely, a downloadable artificial intelligence-based computer software consisting of a programed virtual agent to facilitate sales, customer service and client retention