development of personalized and customizable online currency trading and payment platforms in the nature of the development of online non-downloadable software for others; platform as a service (PAAS) featuring computer software platforms that enable the purchase and sale of currency and the sending and receiving of electronic payments; platform as a service (PAAS) featuring software platforms enabling customers to send and receive electronic payments; software as a service (SaaS) services featuring software for automated processing of accounts payable and payment of invoices and management of supplier payment processes; application service provider services, namely, hosting, managing, developing, and maintaining software applications of others in the field of employment to allow employees to receive payments and manage funds via networks and wireless communication and wireless delivery of content to computers and mobile electronic devices; providing temporary use of on-line non-downloadable computer software for processing accounts payable and electronically paying invoices by credit card, payment card, purchase card, electronic funds transfer, or by check, and maintaining vendor information, and electronic foreign exchange payment processing