42 Providing temporary use of non-downloadable cloud-based software for collecting money from individuals, for tracking contributions of individuals, and for making electronic funds transfers, for sending money, for requesting money, and for processing electronic funds transfer, for pooling money together, for paying Bills, etc.; Providing temporary use of non-downloadable web-based decentralized applications (DApps) for collecting money from individuals, for tracking contributions of individuals, and for making electronic funds transfers, for sending money, for requesting money, and for processing electronic funds transfer, for pooling money together, for paying Bills, etc.; Providing temporary use of on-line non-downloadable cloud computing software using artificial intelligence for collecting money from individuals, for tracking contributions of individuals, and for making electronic funds transfers, for sending money, for requesting money, and for processing electronic funds transfer, for pooling money together, for paying Bills, etc.; Providing temporary use of non-downloadable computer software for preparing invoices over computer networks, intranets and the internet