42 Providing a web site featuring technology that enables companies and organizations to administer and manage employee incentive award programs and to promote employee productivity, performance, recognition and morale; Software as a service (SAAS) services featuring software for use in workforce management and for use by companies and workers to prepare, manage, send, process and track invoices and payments for services rendered; Providing temporary use of a non-downloadable web application for processing electronic payments, for transferring funds to and from others, for managing retail and e-commerce spending using a prepaid card, debit card or credit card, and for use by companies and workers to prepare, manage, send, process and track invoices and payments for services provided; Providing temporary use of on-line non-downloadable computer software for use as a digital wallet