Software as a Service (SAAS) and platform as a service (PAAS) featuring payment processing application programming interfaces for use in e-commerce, m-commerce and mobile point-of-sale transactions, namely, applications for processing secure payments via the internet, applications for electronic bill payments, and virtual point of sale terminals; Software as a service (SAAS) services, namely, hosting software for use by others for bank and credit account verification for information security purposes; Electronic signature verification services using technology to authenticate user identity for information security purposes