42 SAAS (software as service); 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 sites (web sites); support and consultation services for managing computer systems, databases and applications; design, development, maintenance and update 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 networks, data processing, secure communications, 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