42 Providing temporary use of on-line non-downloadable software for processing electronic payments; Providing temporary use of on-line non-downloadable software for enabling the electronic transfer of money between users; Providing temporary use of on-line non-downloadable software for enabling processing of electronic funds transfers and payments made via paper check, electronic check, debit card, virtual card, all forms of ACH (automated clearing house) payment, wire transfer, credit card, electronic mobile payments, and online payments; Providing temporary use of on-line non-downloadable software for creating, preparing, managing, sending, processing, tracking, and reconciling invoices; Providing temporary use of on-line non-downloadable software for creating payment and receivable audit trails regarding all supported payment transactions; Providing temporary use of on-line non-downloadable software for authentication for controlling access to and communications with computers and computer networks; Software as a service (SAAS) services, namely, hosting software for use by others for use in: making payments via paper check, electronic check, debit card, virtual card, all forms of ACH (automated clearing house) payment, wire transfer, credit card, electronic mobile payments and online payments; receiving payments via paper check, electronic check, debit card, virtual card, all forms of ACH (automated clearing house) payment, wire transfer, credit card, electronic mobile payments and online payments; determining invoice aging and bad debt; offering trade finance solutions for cash flow challenges realized due to late payment of accounts receivable; creation and issuance of purchase orders through the use of content and field-specific information