Providing use of cloud-based non-downloadable software for processing point of sale transactions, payment transactions, voucher redemption, appointment scheduling, customer relationship management, customer location detection and awareness, analyzing marketing and advertising performance, improving customer experience, serving targeted messaging and advertisements to customers based on in-store and online behavior, for inventory management, analyzing merchant transactions, and for evaluating and managing information on business performance and customers; providing temporary use of non-downloadable software that enables users to send and receive pricing, financial transaction, customer information, and payment processing information directly to and from a mobile device and a cloud-based server; non-downloadable software that enables merchants to send promotions, discounts and other information directly to consumers' mobile devices; software as a service (SAAS) services featuring software that enables users to send and receive pricing, financial transaction, customer information, and payment processing information directly to and from a mobile device and a cloud-based server; providing use of cloud-based non-downloadable software for payment services, merchant analytics, and for evaluating and managing information on business performance and customers; technical support services, namely, troubleshooting in the nature of diagnosing computer hardware problems and troubleshooting of computer software problems; installation and maintenance services for computer software for processing point of sale transactions, payment transactions, voucher redemption, appointment scheduling, customer relationship management, customer location detection and awareness, analyzing marketing and advertising performance, better engaging customers across channels, serving targeted messaging and advertisements to customers based on in-store and online behavior, for inventory management, analyzing merchant transactions, and for evaluating and managing information on business performance and customers