Software as a service (SAAS) services featuring software for processing electronic payments, authorizing credit card, debit card and cash card transactions, managing and tracking electronic payment information and facilitating e-commerce services for others; Application service provider featuring e-commerce software for use as a payment gateway that authorizes the processing of credit cards or direct payments for merchants. These services are for allowing users to conduct electronic business transactions, namely, computer and technology services for securing computer data and personal and financial information and for the authentication of as well as detection of unauthorized access to data and information, and including the provision of temporary use online, not downloadable software for processing the electronic payments