GIVING CREDIT WHERE CREDIT IS DUE

Platform-as-a-Service (PaaS) featuring a computer software platform that integrates with credit card payment processors in real time during the credit card authorization process to actively manage a cardholder's subscription and recurring credit card payments; Platform-as-a-Service (PaaS) featuring a computer software platform that integrates with credit card payment processors in real time during the credit card authorization process to actively manage a cardholder's spending and payments to prevent overspending, spending limit overage fees, and credit card interest fees; Platform-as-a-Service (PaaS) featuring a computer software platform that integrates with credit card payment processors in real time during the credit card authorization process to prevent malicious or negligent merchants from processing transactions without the cardholder's consent; Platform-as-a-Service (PaaS) featuring a computer software platform that integrates with credit card payment processors in real time during the credit card authorization process to permit highly-trusted merchants to process payments where the credit card number on file with the merchant is expired or cancelled; Platform-as-a-Service (PaaS) featuring a computer software platform that randomly generates virtual credit card numbers for temporary use in order to provide security in credit card transactions