9 Downloadable computer programs for financial management, managing financial histories, managing financial matters, producing financial models, for the managing financial transactions, for financial and securities simulations,; Downloadable educational software featuring instruction in finance; Downloadable payment gateway software for linking e-commerce websites to credit card processing networks; Downloadable computer software for conducting online transactions, for processing commercial transactions, to facilitate secured creditcard transactions,; Downloadable computer software for data processing, digital image processing, information processing, word processing, group work, for voice analysis, for instant messaging and internet messaging; Encoded electronic chip cards containing programming used to conduct electronic transfers in financial transactions; Secure terminals for electronic transactions; Computer hardware; Computer networking hardware; Computer hardware for telecommunications; Computer programs, recorded, for data storage; Downloadable cloud-computing software for facilitating commercial and financial transactions; Downloadable communication software for providing access to the Internet; Downloadable communications software for connecting users in a network; Downloadable computer utility programs for performing computer maintenance; Downloadable educational tablet applications featuring instruction in finance; Downloadable graphical user interface software; Downloadable open-source computer software for facilitating and managing commercial and financial transactions; Downloadable operating system programs; Downloadable project management software; Downloadable software for monitoring and controlling communication between computers and automated machine systems; Downloadable software for wireless transmission of content; Downloadable software in the nature of a mobile application for information management; Downloadable application programming interface (API) software; Downloadable computer application software for mobile phones, namely, software for facilitating commercial and financial transactions; Downloadable computer application software for mobile devices and smartphones, namely, software for managing financial transactions, for data storage; Downloadable computer e-commerce software to allow users to perform electronic business transactions via a global computer network; Downloadable computer search engine software; Downloadable computer software development tools; Downloadable computer software platforms for facilitating and managing commercial and financial transactions; Downloadable computer software for database management; Downloadable computer software for controlling self-service terminals; Downloadable computer software for creating searchable databases of information and data; Downloadable computer software for the collection, editing, organizing, modifying, book marking, transmission, storage, and sharing of data and information; Downloadable computer software using artificial intelligence for voice and image recognition; Downloadable industrial process control software; Downloadable mobile applications for continuous broadcast of audiovisual material through the Internet; Electronic machines for reading credit cards and recording financial operations; Optical character recognition apparatus; Recorded computer utility programs for performing computer maintenance; Recorded operating system programs; Recorded computer search engine software; Recorded computer software platforms for facilitating and managing commercial and financial transactions; Recorded computer software for database management