Application service provider (ASP) featuring e-commerce software for use as a payment gateway that authorizes processing of credit cards or direct payments for merchants; Data encryption services for providing security and anonymity for electronically transmitted credit card transactions; Providing a secured-access website that gives registered Internet networked institutions the ability to upload, view, copy, print, download and share documents and images for the purposes of conducting consumer-driven transactions; Providing temporary use of on-line non-downloadable software for accessing, reading, and tracking information in the field of financial transactions on a blockchain