providing temporary use of non-downloadable software for online banking, financial management in the nature of personal financial asset management for use by consumers, and managing online stored value accounts; providing temporary use of non-downloadable software for providing electronic transfer of funds, currency exchange, bill payment, and electronic payments made through prepaid cards, credit cards, debit cards, codes such as barcodes, stored value tokens, cash vouchers, and gift vouchers; providing temporary use of non-downloadable software for secure storage and transfer of data; providing temporary use of non-downloadable software for database management of information in the field of finance; providing temporary use of non-downloadable software for use in allowing merchants to sell their products directly to their customers, namely, software for payment processing, providing databases of merchandise selection; online identity theft and fraud prevention services, namely, electronic monitoring of personally identifiable information to detect identity theft via the internet; online financial fraud protection and prevention services, namely, user authentication services using technology for financial and e-commerce transactions; electronic monitoring of credit card activity to detect fraud via the internet; electronic monitoring of personally identifying information to detect identity theft via the internet; electronic signature verification services using technology to authenticate user identity