42 Providing temporary use of online non-downloadable cloud-based software for database management and for the collection, editing, organizing, modifying, book marking, transmission, storage, and sharing of data and information; providing temporary use of online non-downloadable software for storing, transmitting, displaying, verifying, authenticating, and processing print and digital documents; providing temporary use of online non-downloadable software for managing consumer loyalty programs; platform as a service (PAAS) featuring computer software for analyzing and predicting customer behavior and evaluating risk relating thereto; providing online non-downloadable software development tools and tool libraries; providing online non-downloadable software featuring application programming interfaces (APIs) for the collection, editing, organizing, modifying, book marking, transmission, storage, and sharing of data and information; development of voluntary standards for electronically collecting, editing, organizing, modifying, verifying, book marking, transmitting, storing, and sharing commercial data and information