Data encryption services for providing security and anonymity for electronically transmitted credit card transactions; Providing on-line non-downloadable computer application software for mobile phones, namely, on-line non-downloadable software for processing credit card, debit card, and electronic payment transactions; Providing on-line non-downloadable business process management software for payment system workflows; Providing on-line non-downloadable mobile or browser computer software application for use in business-to-business payment services that allows customers to update and receive data stored in an individual's and/or enterprise's computer database in real time with full telephony integration of the telephone and Internet browser features of the mobile device; Providing on-line non-downloadable computer e-commerce software to allow users to perform electronic business transactions via a global computer network; Providing on-line non-downloadable computer software for the collection, editing, organizing, modifying, bookmarking, transmission, storage and sharing of data and information; Providing on-line non-downloadable computer software for processing credit card, debit card, and electronic payment transactions; Electronic monitoring of credit card activity to detect fraud via the internet; Electronic monitoring of electronic payment transactions to detect fraud via the internet; User authentication services using technology for e-commerce transactions; Computer security services, namely, restricting unauthorized access to computer networks and websites