42 Providing temporary use of non-downloadable software for use in electronic transfer of money for others; providing temporary use of non-downloadable software for use in electronic funds transfer; providing temporary use of non-downloadable software for use in services for making and processing payment transactions with credit cards, debit cards, and other forms of payments; providing temporary use of non-downloadable software for use in merchant services, namely, payment transaction processing services; providing merchants with electronic payment forms that can be embedded in websites, namely, providing temporary use of non-downloadable software that allows merchants to collect electronic payments; payment services in the nature of providing credit and payment risk management solutions for merchants, namely, software as a service (SAAS) services featuring software that assesses financial risk, detects fraud, and decides risk; payment services in the nature of providing credit and payment risk management solutions for merchants, namely, electronic monitoring of credit card activity to detect fraud via the internet; providing temporary use of non-downloadable software for use in financial transaction services, namely, providing secure commercial transactions and payment options at a point of sale; providing merchants with electronic payment forms that can be sent via mobile devices, namely, providing temporary use of non-downloadable software that allows merchants to collect electronic payments; software as a service (SaaS) featuring software for use in e-commerce and the retail industry to allow users to perform electronic business transactions via a global computer network; software as a service (SaaS) featuring software for use in e-commerce and the retail industry to allow users to perform business management via a global computer network, namely, database management, product pricing automation, order fulfillment, product sales and customer tracking; software as a service (SaaS) featuring software for use in e-commerce and the retail industry, namely, software for point of sale transactions, online shopping, tracking deliveries, use as a digital wallet, and recommending and discovering businesses and their products and services; software as a service (SaaS) featuring software for use in accessing and building software applications; software as a service (SaaS) featuring software for advertising and marketing