providing temporary use of non-downloadable software for providing electronic transfer of funds, bill payment, and electronic payments made through prepaid cards, credit cards, debit cards; providing temporary use of non-downloadable software for secure storage and transfer of data; providing temporary use of non-downloadable software for use in allowing merchants to sell their products directly to their customers, namely, software for payment processing; online identity theft and fraud prevention services, namely, electronic monitoring of personally identifiable information to detect identity theft via the internet; online financial fraud protection and prevention services, namely, user authentication services using technology for financial and e-commerce transactions; electronic monitoring of credit card activity to detect fraud via the internet; electronic monitoring of personally identifying information to detect identity theft via the internet; electronic signature verification services using technology to authenticate user identity; providing temporary use of non-downloadable computer software for providing secure financial transactions and payments; providing temporary use of non-downloadable computer software for controlling access to and communications with remote computers and computer networks featuring computer software for providing electronic transfer of funds, electronic payments, and secure financial transactions