9 Downloadable computer application software using artificial intelligence (AI) and machine learning algorithms for payment processing, invoicing, customer communications, processing of electronic payments, financial transactions, and fraud protection; Downloadable software in the nature of a mobile application using generative artificial intelligence (AI) and machine learning algorithms for payment processing, invoicing, customer communications, processing of electronic payments, and clearing and reconciling financial transactions including credit card, debit card, eCheck processing; Downloadable computer application software embedded with generative artificial intelligence (AI) and machine learning algorithms for mobile devices, mobile phones, smartphones, handheld electronic devices, tablet computers, and computers, and portable media devices, namely, downloadable software for the purpose of online payment processing and online communications regarding financial transaction processing for others; Downloadable computer application software using generative artificial intelligence (AI) and machine learning algorithms for managing documents and information related to legal cases, managing documents and information relating to accounting and tax client matters, client billing, accounting, time tracking, expense management, electronic document storage, electronic document tracking and retrieval, file organization, electronically signing documents, facilitating attorney-client communication and case calendaring and docketing deadlines; Downloadable software that uses artificial intelligence (AI) and machine learning algorithms to enable electronic invoicing, payment processing, and communications between payor and payee related to financial transactions; Downloadable software that uses artificial intelligence (AI) and machine learning algorithms for text editing, intelligent creation of internal and external communications, translations of documents and communications into other languages