Downloadable or recorded Intelligent personal assistant software for appointment reminders; Downloadable or recorded chatbot software using artificial intelligence for replying to requests and questions from customers related scheduling appointments for professional services; downloadable computer software for enabling the electronic transfer of money between users; Downloadable software for enabling processing of electronic funds transfers and payments made via ACH (automated clearing house), credit card, debit card, electronic check and electronic, mobile and online payments; downloadable or recorded software for processing credit card, debit card, and gift card transactions via mobile devices; downloadable or recorded computer software for businesses, namely, software for use in enabling, facilitating, operating, and managing customer appointment and relations; Downloadable or recorded computer software for use in accounting, financial management and electronic business transactions; Downloadable or recorded computer software for controlling and managing access to cloud- and server-based applications used for electronic business transactions; Downloadable or recorded computer software for encryption of information to be transmitted through a computer network; Downloadable or recorded computer software to permit secure access to a computer network