Electronic data storage; Providing on-line non-downloadable software for facilitating the electronic transfer of funds between individuals; Providing on-line non-downloadable software for processing payment and money transfer transactions; Providing on-line non-downloadable software for processing, facilitating, verifying, and authenticating payments and transactions; Providing on-line non-downloadable software for payment and funds verification services; Providing on-line non-downloadable software for microfinance lending services; Providing on-line non-downloadable software for currency exchange services; Providing on-line non-downloadable software for insurance services; Providing on-line non-downloadable software for debit card transaction processing services; Providing on-line non-downloadable software for prepaid debit card services; Providing on-line non-downloadable software for processing of payments; Providing on-line non-downloadable software for checking account services; Providing on-line non-downloadable software for bill payment services; Providing on-line non-downloadable software for financial transactions and payments; Providing on-line non-downloadable software for providing automated clearinghouse (ACH) transaction processing services; Providing on-line non-downloadable software for money transfer services; Providing on-line non-downloadable software for processing payments to third parties; Providing on-line non-downloadable software for debit transaction processing services; Providing on-line non-downloadable software for electronic credit and debit transactions; Providing on-line non-downloadable software for electronic debit card and credit card transaction processing; Providing on-line non-downloadable software for banking services; Providing on-line non-downloadable software for providing an electronic financial platform that accommodates multiple types of payment and debt transactions via on-line non-downloadable software; Providing on-line non-downloadable software for lotteries and lottery services; Providing on-line non-downloadable software for betting, sports betting, wagering, and sports wagering services; Providing on-line non-downloadable software for customer loyalty programs, incentive reward programs, customer loyalty services, and customer club services; Software as a service (SAAS) services featuring software for facilitating the electronic transfer of funds between individuals; Software as a service (SAAS) services featuring software for processing payment and money transfer transactions; Software as a service (SAAS) services featuring software for processing, facilitating, verifying, and authenticating payments and transactions; Software as a service (SAAS) services featuring software for payment and funds verification services; Software as a service (SAAS) services featuring software for microfinance lending services; Software as a service (SAAS) services featuring software for currency exchange services; Software as a service (SAAS) services featuring software for insurance services; Software as a service (SAAS) services featuring software for debit card transaction processing services; Software as a service (SAAS) services featuring software for prepaid debit card services; Software as a service (SAAS) services featuring software for processing of payments; Software as a service (SAAS) services featuring software for checking account services; Software as a service (SAAS) services featuring software for bill payment services; Software as a service (SAAS) services featuring software for financial transactions and payments; Software as a service (SAAS) services featuring software for providing automated clearinghouse (ACH) transaction processing services; Software as a service (SAAS) services featuring software for money transfer services; Software as a service (SAAS) services featuring software for processing payments to third parties; Software as a service (SAAS) services featuring software for debit transaction processing services; Software as a service (SAAS) services featuring software for electronic credit and debit transactions; Software as a service (SAAS) services featuring software for electronic debit card and credit card transaction processing; Software as a service (SAAS) services featuring software for banking services; Software as a service (SAAS) services featuring software for providing an electronic financial platform that accommodates multiple types of payment and debt transactions via software as a software services; Software as a service (SAAS) services featuring software for lotteries and lottery services; Software as a service (SAAS) services featuring software for betting, sports betting, wagering, and sports wagering services; Software as a service (SAAS) services featuring software for customer loyalty programs, incentive reward programs, customer loyalty services, and customer club services