Downloadable computer software for use in the banking, financial, and investment industries, namely, downloadable software for accessing and conducting electronic banking services via global computer networks and telecommunication networks; downloadable software for automated clearance house processing; downloadable software enabling banking customers to transmit payment and collection orders directly and automatically accept account reconciliation information from the bank; downloadable software for use in connection with electronic funds transfers; downloadable software for use in connection with foreign exchange financial services; downloadable computer software for information management in the field of banking and personal finance; downloadable computer software for financial information management featuring voice command and recognition software, speech to text conversion software, and voice-enabled software applications; downloadable computer financial software for mobile computing devices and computers for the purpose of accessing financial information; downloadable computer software for financial planning; downloadable software in the nature of a mobile application for users to make contactless payment transactions, namely, initiating payment transactions via a mobile telecommunications device by providing a one-time electronic security token as a substitute for the user's credit, payment or debit card information; downloadable computer application software for the provision of banking and financial services; downloadable mobile applications for managing bank accounts, depositing checks, transferring funds, and paying bills; downloadable software for managing bank accounts, depositing checks, transferring funds, and paying bills