42 Providing temporary use of on-line non-downloadable software for processing electronic payments; application service provider (ASP) featuring software for receiving, transmitting, and displaying vouchers, voucher codes, and discounts and receiving and transmitting data for the purchase of goods and services; application service provider (ASP) featuring software for providing consumers with information regarding discounts, vouchers, voucher codes, and special offers for the goods or services of others; electronic data storage, namely, financial data repository services; data encryption and decryption of financial information; digital signature authentication services for authentication of others, namely, data encryption and data integrity assurance services in the nature of providing electronic signature verification using technology to authenticate user identity; data encryption for others, namely, providing encrypted and digitally signed and authenticated data for use in issuance and validation of digital certificates in the field of document and transaction authentication; Software as a service (SaaS) featuring software for the use by payment services providers for the provision of electronic wallet services, namely, issuance, storage, management, transfer, exchange and redemption of electronic money; creating and maintaining web-sites for others; providing temporary use of online, non-downloadable computer application software for mobile phones and smart phones, namely, software for processing mobile payments; providing temporary use of online, non-downloadable mobile application software for mobile phones and smart phones, namely, software used to make financial payments and transactions; providing temporary use of online, non-downloadable computer application software for smartphones, namely, software for processing credit card mobile payments; providing temporary use of online, non-downloadable computer application software for facilitating and administering payments with bank cards, credit card, debit card, payment card, stored value card, loyalty card, rewards card, points card, club card; providing a web site featuring temporary use of non-downloadable computer software for a digital wallet that stores customer account information to access coupons, vouchers, voucher codes and to obtain loyalty rewards, monetary rewards, points rewards that can be credited to their accounts; providing a web site featuring temporary use of non-downloadable computer software, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, tablet computer, PDA, and web based environment; providing temporary use of non-downloadable cloud-based software that acts like a digital wallet by storing customer account information to access coupons, vouchers, discounts, voucher codes and rebates at retailers and to obtain loyalty or monetary rewards that can be credited to their accounts via a global computer network