Computer hardware and recorded computer software programs sold as a unit for the integration of text, audio, graphics, still images and moving pictures into an interactive delivery for multimedia applications; Computer operating programs, recorded; Data processing apparatus; Downloadable BIOS (basic input output system) computer programs; Downloadable computer communications software to allow customers to access bank account information and transact bank business; Downloadable computer operating programs and computer operating systems; Downloadable computer programs for the enabling of access or entrance control; Downloadable computer programs for user interface design; Downloadable computer software and firmware for operating system programs; Downloadable computer software for controlling and managing access server applications; Downloadable computer software for use in computer access control; Downloadable computer software that assists computers in deploying parallel applications and performing parallel computations; Downloadable computer software that provides real-time, integrated business management intelligence by combining information from various databases and presenting it in an easy-to-understand user interface; Downloadable computer software to maintain and operate computer system; Downloadable computer programs for using the internet and the worldwide web