Application service provider (ASP) featuring e-commerce software for use as a payment gateway that authorizes processing of credit cards or direct payments for merchants; Data encryption services for providing security and anonymity for electronically transmitted credit card transactions; Platform as a service (PAAS) featuring computer software platforms for online global transactions; Providing online non-downloadable computer software platforms for online global transactions; Providing temporary use of on-line non-downloadable computer software for use as a digital wallet; Software as a service (SAAS) services featuring software for online global transactions; Software design and development; User authentication services using single sign-on technology for online software applications; User authentication services using technology for e-commerce transactions; Web site design