Design and development of computer software; Application service provider (ASP) services featuring software for use in electronic funds transfers to and from others; Software as a service (SaaS) services featuring software for use in electronic funds transfers to and from others; Platform as a service (PaaS) services featuring software for use in in electronic funds transfers to and from others; providing cloud computing featuring software for use in electronic funds transfers; providing online nondownloadable software for implementing and recording financial transactions, for creating accounts and maintaining and managing information about financial transactions on peer to peer payment networks; providing online nondownloadable software for processing electronic payments and for transferring funds to and from others; providing online nondownloadable software for electronic funds transfer; providing online nondownloadable software for payment transactions; providing online nondownloadable software for managing payment transactions; providing online nondownloadable software for encrypting and enabling secure transmission of digital information over the internet, as well as over other modes of communication between computing devices; providing online nondownloadable software for use in facilitating secure transactions; providing online nondownloadable software platforms for the tracking and support of data transactions; providing temporary use of nondownloadable cloud-based computer network software identification verification, authentication and management services for security purposes; providing online nondownloadable secure hosting software for the management, storage and administration of passwords, credentials and identity information relating to persons, accounts and devices for security purposes; providing online nondownloadable cloud-based network software for the identification verification, authentication and management services for security purposes; providing online nondownloadable software for facilitating money transfers, electronic funds transfers, commodity transfers, bill payment remittance, and transferring funds between parties; authentication services, namely, internet authentication services in the nature of user authentication services using single sign-on technology for online software applications; providing authentication personal identification information in the nature of user authentication services using single sign-on technology for online software applications; authentication services, namely, user authentication services using single sign-on technology for online software applications; providing user authentication services of electronic funds transfer, credit and debit card and electronic check transactions using single sign-on and software technology