Downloadable computer programs using artificial intelligence for use in rendering financial services, namely, obtaining financial information, managing accounts, fraud detection, monitoring payments and conducting transactions relating to banking, payment, and investment strategies; Downloadable computer software and firmware for processing electronic payments and for transferring funds to and from others; Downloadable computer software for payment authentication and for controlling access to and communications with computers and computer networks; Downloadable mobile applications for obtaining financial information, managing accounts, and conducting transactions and providing education relating to banking, investment and financial services
Electrical and Scientific Apparatus