Software as a service (SAAS) services featuring software for enabling funding of advances on accrued payment balances to workers; Software as a service (SAAS) services featuring software for enabling users to access and transfer earned income on demand; Software as a service (SAAS) services featuring software for providing on-demand pay solutions for workers, namely, for enabling workers to access tips, bonuses and other compensation; Software as a service (SAAS) services featuring software for providing electronic processing of requests and execution of earned income transfers via a global computer network; Software as a service (SAAS) services featuring software for providing transfer of earned income on demand; Software as a service (SAAS) services featuring software for remotely or wirelessly transferring tips and gratuities to third parties; Software as a service (SAAS) services featuring software for remotely or wirelessly giving and accepting tips and gratuities; Software as a service (SAAS) services featuring software for allocating and disbursing tips and gratuities between coworkers; Software as a service (SAAS) services featuring software for comparing tips and gratuities received by coworkers; Software as a service (SAAS) services featuring software for enabling individual customers to submit reviews, feedback, advice, and ratings to businesses and service providers, all of the foregoing excluding businesses and service providers offering goods and services in the fields of software development, web development, app development, user interface design, and user experience design, and excluding reviews, feedback, digital quality assurance testing, advice, and ratings of any software products; Software as a service (SAAS) services featuring software for enabling businesses and service providers to receive reviews, feedback, advice, and ratings from individual customers, all of the foregoing excluding businesses and service providers offering goods and services in the fields of software development, web development, app development, user interface design, and user experience design, and excluding reviews, feedback, digital quality assurance testing, advice, and ratings of any software products; Software as a service (SAAS) services featuring software for enabling businesses to issue physical and virtual debit cards, prepaid purchase cards or stored value cards to workers for all or part of their earned, unpaid wages, tips, and bonuses prior to payday