Application service provider featuring application programming interface (API) software and mobile applications; application service provider, namely, providing online non-downloadable software for use as a spreadsheet, for use in word processing, for use in database management, for use in the electronic storage and management of data in the field of electronic payment processing, transmission of bill payment data, financial transaction processing and reporting, and for transferring funds to and from others and others' accounts; application service provider, namely, providing online non-downloadable software in the field of credit cards, virtual credit cards, debit cards, bank cards, prepaid cards, stored value cards, checks, automated clearing house (ACH), electronic funds transfer (EFT) and smart phone and mobile device payment accounts; application service provider, namely, providing online non-downloadable software for use in creating, preparing, managing, sending, processing, tracking, and reconciling invoices; application service provider, namely, providing online non-downloadable software for use in managing and analyzing accounts payable and accounts receivable payments and processing; platform as a service (PaaS) and software as a service (SaaS) for issuing receipts regarding mobile payment transactions; application service provider, namely, providing online non-downloadable software for controlling access to and communications with computers and computer networks; platform as a services (PaaS) and software as a service (SaaS) for enabling the transfer of funds, splitting of funds, and sharing of funds between and among users and users' accounts; platform as a service (PaaS) and software as a service (SaaS) for use as a spreadsheet, for use in word processing, for use in database management, for use in the electronic storage and management of data in the field of electronic payment processing, transmission of bill payment data, financial transaction processing and reporting, and for transferring funds to and from others and others' accounts; platform as a service (PaaS) and software as a service (SaaS) for use as a spreadsheet, for use in word processing, for use in database management, for use in the electronic storage and management of data in the field of credit cards, virtual credit cards, debit cards, bank cards, prepaid cards, stored value cards, checks, automated clearing house (ACH), electronic funds transfer (EFT) and smart phone and mobile device payment accounts; platform as a service (PaaS) and software as a service (SaaS) for use in creating, preparing, managing, sending, processing, tracking, and reconciling invoices; platform as a service (PaaS) and software as a service (SaaS) for issuing receipts regarding mobile payment transactions; platform as a service (PaaS) and software as a service (SaaS) for controlling access to and communications with computers and computer networks; platform as a services (PaaS) and software as a service (SaaS) for enabling the transfer of funds, splitting of funds, and sharing of funds between and among users and users' accounts; providing temporary use of online non-downloadable computer software for use in accessing online information about credit card, virtual credit card, debit card, bank card, prepaid card, stored value card, check, automated clearing house (ACH), electronic funds transfer and smart phone and mobile device payment accounts; providing temporary use of online non-downloadable computer software for use in accessing online directory information for payment processing and electronic funds transfer; providing temporary use of online non-downloadable computer software for use in accessing online directory information related to vendors and customers; providing temporary use of online non-downloadable computer software for use in customer relationship management; providing temporary use of non-downloadable computer software for activating the functionality of third-party applications; platform as a service (PaaS) and software as a service (SaaS) for use as a spreadsheet, for use in word processing, for use in database management, for use in accessing online information about credit card, virtual credit card, debit card, bank card, prepaid card, stored value card, check, automated clearing house (ACH), electronic funds transfer and smart phone and mobile device payment accounts; platform as a service (PaaS) and software as a service (SAAS) for use in management and analysis of accounts payable and accounts receivable payments and processing; computer services, namely, providing an interactive web site featuring technology that allows users to consolidate and manage accounts and payment processing platforms to existing and emerging application programming interfaces (APIs); platform as a service (PaaS) and software as a service (SaaS) for use in verifying financial account information, money and currency volume; platform as a services (PaaS) and software as a service (SaaS) for use in authenticating user identities for financial transactions; platform as a services (PaaS) and software as a service (SaaS) for use in verifying business information; platform as a service (PaaS) and software as a service (SaaS) for use in conducting financial, credit, fraud, and identity risk assessments; platform as a service (PaaS) and software as a service (SaaS) for enabling compliance with government regulations in the financial industry; authentication, issuance and validation of digital certificates; user authentication services using technology for e-commerce transactions; platform as a service (PAAS) and software as a service (SaaS) featuring artificial intelligence and machine learning for decisioning and scoring