9 Downloadable or recorded software for business management and administration, business analytics, financial statement preparation and analysis, inventory management and control, and payroll administration; Downloadable or recorded software for processing of payments in the form of electronic funds transfers, ACH transactions, credit card payments, debit card payments, electronic checks, and electronic payments; Downloadable or recorded software for point of sale systems; Downloadable or recorded software for banking and financing services, equipment financing services, lease-purchase services; Downloadable or recorded software for issuing of gift cards and gift certificates, and for gift card and gift certificate transaction processing services; Downloadable or recorded software for making reservations and bookings, agency services for reservations, and waitlist management services; Downloadable or recorded software for providing user reviews and ratings for commercial or advertising purposes, for providing reviews, ratings, and recommendations of service providers to consumers for commercial purposes, and for providing reviews, ratings, and recommendations based on user profiles and preferences; Downloadable or recorded software for providing reviews of restaurants and bars; Downloadable or recorded software for business management consulting and advisory services, business development consulting and advisory services, and business organization consulting and advisory services