Downloadable software for use in speech recognition, namely, for performing speaker recognition using voice signature, speech-to-text, and text to speech conversion for use in mobile phones, smartphones, computers, and computer tablets; all of the above relating specifically to cognitive computing technologies that provide multi-modal natural language processing, generation, reasoning and machine learning for contextual analysis and natural interaction; Downloadable cloud-based software for use in network and cyber intelligence that integrates data processing, natural language processing, computational linguistics, information retrieval, artificial intelligence, and machine learning which is capable of understanding general human queries and formulating responses, for know your customer(KYC) and anti-money laundering(AML) for use in business transactions, and in identifying suspicious activities, business performance metrics, future business performance queries, next best actions, and risk scores; Downloadable cloud-computing software for augmented intelligence that allows users, business processes, software applications, mobile devices, and computer systems to provide predictions and business intelligence reports regarding Key Performance Indicators (KPIs) and metrics using natural language interfaces, namely, spoken queries, chat applications, and text based free-text search; Downloadable cloud-computing software for anti-money laundering use in developing, executing, monitoring, managing, and fraud, suspicious activity detection, clustering, community detection, and case-based reasoning algorithms, business processes, and analytics in the fields of ecommerce, retails analytics, supply chain analytics, Enterprise Resource Planning (ERP), Manufacturing Execution Systems (MES), connected factories, and smart nations; Downloadable computer software for predictive analytics for use in customer relationship management, sales prediction, customer satisfaction and churn prediction, business operational risk, performance and revenue loss prediction, key performance indicator monitoring and prediction, fraud detection, and user activity based analysis and suspicious activity prediction; Downloadable computer software for use in controlling the operation and execution of computer systems, programs, and networks; all of the above relating specifically to cognitive computing technologies that provide multi-modal natural language processing, generation, reasoning and machine learning for contextual analysis and natural interaction; Downloadable middleware for software application integration; Downloadable middleware for software application integration