Downloadable and recorded computer and mobile device software, namely, software for implementing and recording financial and business transactions; downloadable and recorded computer and mobile device software for settling financial and business transactions; downloadable and recorded computer and mobile device software for use with distributed financial and business transaction processing systems for recording financial and business transactions and authenticating of parties to a financial or business transaction; downloadable and recorded computer and mobile device software for processing of distributed financial and business transactions; downloadable and recorded computer and mobile device software for providing authenticating of parties to a financial or business transaction; downloadable and recorded computer and mobile device software for maintaining ledgers for transactions; downloadable and recorded computer and mobile device software for providing access control to accounts and assets involved in financial and business transactions; downloadable and recorded computer and mobile device software for the management of cryptographic security of electronic transmissions across computer networks; downloadable and recorded computer software, namely, encryption software to enable secure transmission of digital information over the Internet, wide area networks and local networks; downloadable and recorded computer and mobile device software for authentication and identity management information security; downloadable and recorded computer software for use in designing, developing and deploying other computer software; downloadable and recorded computer software utilities that facilitate writing other programs; downloadable and recorded computer software for testing the functionality and compatibility of other computer software; downloadable and recorded computer software for communicating information over computer networks; downloadable and recorded computer software for running web and mobile applications; downloadable and recorded computer software for use as an application programming interface (API) for use in building software applications