Intelligent personal assistant software for appointment reminders; 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; magnetically encoded debit cards; hardware and software for processing credit card and debit card transactions via mobile devices; downloadable computer software for businesses, namely, software for use in enabling, facilitating, operating, and managing customer appointment and relations; Computer software for use in accounting, financial management, human resources management, payroll processing, tax management, unemployment compensation management, employee record-keeping, and electronic business transactions; Computer software for controlling and managing access to cloud-based and server-based applications used for electronic business transactions; Computer software for encryption of information to be transmitted through a computer network; Computer software to permit secure access to a computer network