42 Software as a service featuring software for use in payment processing, management, reporting and reconciliation, and monitoring and tracking credit, debit, and prepaid physical and virtual cards, credit, debit, and prepaid payment codes, credit, debit, and prepaid payment devices, cash, and other forms of payment transactions and for conducting electronic business transactions; Platform as a service featuring a platform for use in payment processing, management, reporting and reconciliation, and monitoring and tracking credit, debit, and prepaid physical and virtual cards, credit, debit, and prepaid payment codes, credit, debit, and prepaid payment devices, cash, and other forms of payment transactions and for conducting electronic business transactions; none of the foregoing including or for the purposes of investment fund transfer and transaction services, investment security services, estate settlement services, wealth management services, financial asset allocation, cash flow management, investment management services, financial risk management consultation, or financial portfolio management services