42 Scientific and technological services, namely, scientific and technological analysis and research and design relating thereto in the field of product development; Scientific and technological services, namely, scientific and technological research and design in the field of e-commerce software; Industrial analysis and scientific research services in the field of risk management; Industrial analysis and research services in the fields of e-commerce; Design and development of computer hardware and software; Online provision of temporary use of web-based non-downloadable software applications for facilitating electronic commerce transactions; Online provision of temporary use of web-based non-downloadable software applications for processing electronic refunds and payments and for transferring funds to and from others; Online provision of temporary use of web-based non-downloadable software applications for processing retail refund and payment transactions with credit cards, debit cards, prepaid cards, payment cards, gift cards, and other payment forms; Online provision of temporary use of web-based non-downloadable software applications for making requests for returns of retail goods, tracking return shipments, and for providing refund payment notifications and messages; Online provision of temporary use of web-based non-downloadable software applications for use in e-commerce and the retail industry, namely, software for facilitating the return of retail goods and processing of refunds; Providing temporary use of online non-downloadable software for the purposes of facilitation of refunds, goods return processes and customer management