Computer services, namely, hosting an interactive web site that allows personal finance management, performing financial transactions, personal financial management, bill payments, loan application and installment loan management, dispersion account management, and transmitting and receiving information to execute electronic payments, payment bundling, and transferring funds for individuals and companies; Software as a service (SAAS) services featuring software for payment processing, authentication, management, and authenticating and tracking, and for facilitating e-commerce services for others, namely, for allowing users to perform electronic business transactions via a global computer network; providing temporary use of on-line non-downloadable software for processing electronic payments; providing temporary use of on-line non-downloadable authentication software for controlling access to and communications with computers and computer networks