42 Software as a service (SAAS) services featuring software for processing electronic payments, authorizing financial transactions, managing and tracking electronic payment information and facilitating e-commerce services for others, namely, for allowing users to perform electronic business transactions via a global computer network; platform as a service (PAAS) services featuring software tools for users to build customized applications for processing electronic payments, authorizing financial transactions, managing electronic payment information, facilitating electronic payments and financial transactions, and performing electronic business transactions via a global computer network; providing temporary use of on-line non-downloadable software tools for processing electronic payments; providing temporary use of on-line non-downloadable authentication software tools for controlling access to and communications with computers and computer networks; providing temporary use of online non-downloadable computer software for financial transactions, electronic payments, cash advance credit assessments, cash advance assessments and identity and electronic signature verification; providing temporary use of online non-downloadable software for facilitating electronic funds transfers and cash advance payments made via debit card and digital wallet debit cards; design, development and implementation of software to grant cash advances to users to pay for items, goods over time