42 Application service provider featuring application programming interface (API) software for integrated learning exchange between educational providers and consumers; Providing subscription-based temporary use of non-downloadable cloud-based software for tax management and payment processing; Application service provider (ASP) featuring e-commerce software for use as a payment gateway that authorizes processing of credit cards or direct payments for merchants; Designing, creating, maintaining and hosting online retail and electronic commerce websites for others; Testing, analysis, and evaluation of the skills of computer hardware and software operators to determine conformity with certification standards; Providing user authentication services using single sign-on technology for online software applications; Providing user authentication services in the field of online testing, training, and credentialing