Software as a service (SAAS) services featuring software for tracking, analyzing and managing pooled cardholder transactions; Cloud computing featuring software for use in tracking, analyzing, and managing pooled cardholder transactions; User authentication services using blockchain technology for cryptocurrency transactions; 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; Providing temporary use of non-downloadable computer software for providing cash management, namely, providing transfers of electronic cash equivalents; Providing temporary use of online, non-downloadable software for enabling the electronic transfer of money between users