42 Platform as a service (PAAS) featuring computer software platforms for use in financial transaction and payment processing services; Providing on-line non-downloadable software for creating, modifying, managing and distributing paper and electronic billing statements, payment confirmations, and invoices; Providing on-line non-downloadable software for creating, changing, reviewing, approving, distributing, tracking and reporting via digital and paper financial invoices and other financial communications; Software as a service (SAAS) for managing electronic payment transactions; Providing on-line non-downloadable software, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment