Computer software and hardware, including programs downloadable from a global computer network, transaction processing engines, intercommunications systems, user and remote interface apparatus, software and hardware interfaces for computers, software virtual machines, transaction, processing engines, network application browsers, remote application access software, Internet servers, computer software development tools and programming languages; software and related materials on recorded media in audio, video, text, source and object code format; communications software and hardware for linking computers, terminals, devices and networks