9 Downloadable software for accessing, maintaining, managing and reporting financial information in the fields of personal finance, financial planning, financial services, and investing; Downloadable software for performing queries and transactions, for storing, modifying, transmitting and receiving information, and for accessing, maintaining, managing and reporting financial information, all in the fields of personal finance, financial planning, financial services, and investing; Downloadable software for performing queries and transactions, for storing, modifying, transmitting and receiving information, and for accessing, maintaining, managing and reporting financial information, all in the field of financial services; Downloadable software for processing and managing financial transactions; Downloadable software for managing financial records; Downloadable software for managing banking transactions, checking accounts, savings accounts, payments, expenses and billing; Downloadable software for the electronic exchange and management of financial, banking, investing, and personal net worth data; Downloadable software for maintaining, managing and reporting financial information and investment portfolios; Downloadable software for use by financial service providers to obtain investment transaction and account information; Downloadable software for initiating, processing and tracking financial transactions; Downloadable software for use in obtaining access to a web site which provides accessing news websites, financial information websites, and online financial services websites; Downloadable software for use by individuals and financial investment advisors in portfolio allocation, sector analysis, portfolio modeling and portfolio rebalancing; Downloadable software for processing electronic payments and transferring funds and financial assets to and from financial institutions; Downloadable software for authenticating users and controlling access to and communications with computers and wireless mobile devices; Downloadable software for use in managing online security and authentication of online bank accounts, bank account and identity management, and managing electronic safeguards for protecting online accounts in the nature of managing data encryption of financial data; Downloadable electronic newsletters, guides, articles, and papers in the nature of articles, all in the fields of finance, investment, retirement, personal finance, financial analysis, financial research, financial market news, global financial trends, and investment opportunities