Platform as a Service (PaaS) featuring computer software platforms for managing customer loyalty programs on computer networks such as the Internet; temporary provision of software that cannot be downloaded online for comparing and customizing benefits, solutions and enhancements concerning credit and debit card programs; computer system design; design, maintenance and updating of software for managing means of payment; design of Internet platforms for online payment; programming of software for Internet platforms for online payment; programming of software for e-commerce platforms; electronic data storage; development and operation of computer systems for payment transactions for others via the Internet, computers or mobile telephones; providing temporary use of non-downloadable computer software for processing payment transactions for others via the Internet, computers or mobile telephones; development and operation of computer systems for payment transactions with dematerialized money for others; providing temporary use of non-downloadable computer software for processing payment transactions with dematerialized money for others; design of applications for computers and mobile telephones enabling secure payment operations; design, modification and maintenance of software for management and planning of purchases and expenditures; Software as-a-Service (SaaS) featuring software for assessment, planning, analysis and management of purchases and expenses; software-as-a-service (SaaS) featuring software for making online payments; design, maintenance and updating of downloadable computer programs and application software for mobile telephones and other digital mobile devices that enable users to access and use coupons, vouchers, voucher codes, rebates, comparative pricing information and information on discounts and promotions