Platform as a service (PAAS) featuring computer software platforms for resource allocation involving credit balance and refund management; Providing a website featuring resources, namely, non-downloadable software for managing credit balances; Providing on-line non-downloadable software for accounting related to credit balance resolution and refund management; Providing temporary use of non-downloadable cloud-based software for processing credit balances and posting variances; Providing temporary use of on-line non-downloadable software and applications for tracking credits, analyzing causes of refunds and credits, and generating refunds to resolve credit balances; Software as a service (SAAS) services featuring software for finance management including credit balances and refunds