42 Software as a service (SAAS) services featuring software for processing bill payments; Providing temporary use of on-line non-downloadable software for processing electronic payments; Providing temporary use of on-line non-downloadable authentication software for controlling access to and communications with computers and computer networks; Hosting computer websites; Designing, developing, maintaining, and updating of downloadable computer programs and application software; The design, creation and hosting of merchant websites; The designing, creation and hosting of bill payment websites; Computer and Internet related services, namely, hosting on-line electronic databases via a global computer network in the field of identity authentication and verification; Data encryption and decryption of financial information; Digital signature authentication services for authentication of others, namely, data encryption and data integrity; Technical consultation services in the fields of computer programming, financial computer network security, data processing, data encryption and decryption and local area network security; Providing information, including online, in relation to the aforementioned services; Consultancy and advisory services, including online, in relation to the aforementioned services