42 Provision of online non-downloadable software in relation to consumer and corporate payment data; electronic user authentication services for ecommerce transactions; digital security services, namely, providing authentication, verification, issuance, validation, and revocation of digital certificates, in relation to account access and electronic payment services; computer services, namely, database development services, namely, configuration and customization of computer databases containing information regarding payments, credits, and transfers; server hosting; computer services; software as a service (SaaS) services, namely, hosting software for use by others in the field of spend management, payment processing and financial services; blockchain as a Service [BaaS]; user identity authentication, data authentication and data management via blockchain; non-downloadable computer software for managing and validating cryptocurrency transactions using blockchain-based smart contracts; platform as a service, PaaS, featuring computer software platforms using blockchain and distributed ledger technology; data storage via blockchain