Software as a service (SAAS) services featuring software for processing electronic payments, authorizing financial transactions, managing and tracking electronic payment information and facilitating e-commerce services for others, namely, for allowing users to perform electronic business transactions via a global computer network; platform as a service (PAAS) services featuring software tools for users to build customized applications for processing electronic payments, authorizing financial transactions, managing electronic payment information, facilitating electronic payments and financial transactions, and performing electronic business transactions via a global computer network; providing temporary use of on-line non-downloadable software tools for processing electronic payments; providing temporary use of on-line non-downloadable authentication software tools for controlling access to and communications with computers and computer networks