Platform as a service (PAAS) and software as a service (SAAS) featuring computer software platforms for processing transactions and redemptions, namely, online and other transactions and redemptions; platform as a service (PAAS) and software as a service (SAAS) featuring computer software platforms for processing retail transactions; platform as a service (PAAS) and software as a service (SAAS) featuring computer software platforms for performing electronic retail transactions via a global computer network; design and development of computer software