Software as a service (SAAS) services featuring software for transmitting, processing, facilitating, and authenticating electronic payments made through credit card, debit card, and electronic payment card services; software as a service (SAAS) services featuring software for storage, transmission, verification, and authentication of credit card, debit card, and other payment and transaction information; Computer services providing online, non-downloadable operating software for accessing and using a cloud computing network for independent software vendors (ISV)