PROVIDING USE OF CLOUD-BASED NON-DOWNLOADABLE SOFTWARE FOR PROCESSING PAYMENT TRANSACTIONS, GIFT CERTIFICATE REDEMPTION, APPOINTMENT SCHEDULING MANAGING AND UPDATING APPOINTMENTS, ANALYZING MERCHANT TRANSACTIONS, AND FOR EVALUATING AND MANAGING INFORMATION ON BUSINESS PERFORMANCE AND CUSTOMERS AND ADVERTISING AND MARKETING SERVICES; PROVIDING A WEBSITE THAT ENABLES MERCHANTS TO UPLOAD MERCHANT-GENERATED CONTENT REGARDING THEMSELVES, THEIR BUSINESSES AND THEIR GOODS AND SERVICES