Platform as a service (PAAS) featuring computer software platforms for invoicing, payments, and managing and organizing payments; Providing a secure, web-based service featuring technology that enables individuals to remotely create and manage their own accounts so that whatever private content they upload now can be encrypted, then delivered to their intended recipients, at the time and in the manner requested; Providing a web site featuring temporary use of non-downloadable software for invoicing, payments, and managing and organizing payments; Providing temporary use of a non-downloadable web application for invoicing, payments, and managing and organizing payments