Software as a service (SAAS) services featuring software that allows integration of contactless capabilities for customer engagement, business intelligence, management, performance optimization and customer relationship management (CRM); software as a service (SAAS) services featuring software and resources to create sophisticated and interactive applications using contactless technologies; software as a service (SAAS) services featuring digital identity authentication, advanced reporting and analytics, security management, security application monitoring, communication, and business intelligence; providing temporary use of online non-downloadable software and software development tools in development and application of mobile and web-based applications; software as a service (SAAS) and platform as a service (PAAS) to enable contactless machine to machine and person to machine Internet of Things (IOT) applications; providing data and business analytics for the purpose of collecting and analyzing in fields of marketing, advertising, sales, customer services, customer engagement, cloud computing, and authentication; application service provider featuring documented application programming interface (API) software for token creation, customer engagement, communication, personalization, and integration into additional software systems; providing application programming interfaces (API's) that allow rapid development and deployment of QR codes to drive customer engagement, personalization, and reporting