Data encryption services in the field of credit card, debit card, bank card, smart card, prepaid card, stored value card, prepaid cash card, bank-issued stored value card, bank-issued prepaid cash card, stored value smart card, prepaid payment card and smart phone and mobile device processing; providing temporary use of online non-downloadable computer software for use in accessing online information about credit card, debit card, bank card, smart card, prepaid card, stored value card, prepaid cash card, bank-issued stored value card, bank-issued prepaid cash card, stored value smart card, prepaid payment card transactions and transactions performed using smart phones and mobile devices; providing temporary use of online web-based non-downloadable computer software for managing students' school attendance, school admissions, student records and student financial information; platform as a service (PAAS) featuring computer software platforms for use as a spreadsheet, for use in word processing, for use in database management, and for use in the electronic storage of data in the field of restaurant management, table management, inventory control, multi-station kitchen preparation, bank check management, staff performance management, and restaurant order entry and analytics; platform as a service (PAAS) featuring computer software platforms for use as a spreadsheet, for use in word processing, for use in database management, for use in the electronic storage of data and for payment processing at retail business establishments