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Application service provider (ASP) featuring e-commerce software for use as a payment gateway that authorizes processing of credit cards or direct payments for merchants; Application service provider (ASP) featuring software for use in the financial industry for processing financial transactions; Application service provider featuring application programming interface (API) software for use in interfacing with third-party e-commerce systems and electronic payment systems to allow users to perform electronic business transactions via a global computer and communication network to make payments and transfer funds across multiple websites and mobile applications; Application service provider featuring application programming interface (API) software; Cloud computing featuring software for use in processing financial transactions; Design for others in the field of computer networks, software, and engineering for the finance and banking industries; Platform as a service (PAAS) featuring computer software platforms for use as an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, tablet, and web-based environment; Platform as a service (PAAS) featuring computer software platforms for use by financial institutions in managing loan and deposit accounts, in processing credit and debit transactions, and in providing online banking services; Platform as a service (PAAS) featuring computer software platforms for processing financial transactions; Platform as a service (PAAS) featuring computer software platforms for use in tracking and management of commercial transactions on a global computer network; Platform as a service (PAAS) featuring computer software platforms for application and database integration in the fields of electronic payment processing, financial transaction processing, funds transfer processing, funds exchange processing, and processing other forms of value transfer; Platform as a service (PAAS) featuring computer software platforms for use in tracking and organizing commercial financial transaction data, account management, financial reporting, accounting features, and related information; Providing on-line non-downloadable software for application and database integration in the fields of electronic payment processing, financial transaction processing, funds transfer processing, funds exchange processing, and processing other forms of value transfer; Providing temporary use of on-line non-downloadable software for use in performing electronic business transactions via a global computer network; Providing temporary use of on-line non-downloadable software for use in sharing data with others, for performing queries and transactions, and for storing, modifying, transmitting and receiving information in the fields of personal finance, business finance, and banking; Software as a service (SAAS) services featuring software for application and database integration in the fields of electronic payment processing, financial transaction processing, funds transfer processing, funds exchange processing, and processing other forms of value transfer; Software as a service (SAAS) services featuring software for enabling processing of electronic funds transfers and payments made via ACH, credit card, debit card, prepaid cards, wireless wallets, mobile wallets, electronic wallets, electronic check and electronic, mobile and online payments; Software as a service (SAAS) services featuring software for processing payment and debt transactions in the nature of an electronic financial platform that accommodates multiple types of payment and debt transactions; Software as a service (SAAS) services featuring software for processing financial transactions and providing access to banking transaction applications and services; Software as a service (SAAS) services featuring software for providing an integrated suite of software for providing access to banking transactional applications and services; Software as a service (SAAS) services featuring software for processing electronic financial transactions that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, tablet, and web based environment; Software as a service (SAAS) services featuring software for fraud detection in the banking and financial services industries; Software as a service (SAAS) services featuring software for managing cryptocurrency transactions; Software as a service (SAAS) services featuring software for transmitting, displaying and storing transactions, identifications and financial information for use in the financial industry; Software as a service (SAAS) services featuring software for facilitating and verifying financial transactions by electronic means over wireless networks, global computer networks and/or mobile telecommunications devices; Software as a service (SAAS) services, namely, hosting software for use by others for providing financial services accounting and online banking functions