Providing temporary use of online non-downloadable middleware for providing an interface between software applications and consumers via a point-of-sale terminals, kiosks, and tablets; Application service provider featuring application programming interface (API) software for terminals, kiosks, and tablets; Computer services, namely, integration of computer software into multiple systems and networks; Testing, analysis and evaluation of the goods and services of others to determine conformity with certification standards; Platform as a service (PAAS) featuring computer software platforms for use in terminals, kiosks, an tablets for taking payments, biometrics, measuring consumer loyalty, digital wallets, facial recognition, and remittances; Software as a service (SAAS) services featuring software for use in terminals, kiosks, an tablets for taking payments, biometrics, measuring consumer loyalty, digital wallets, facial recognition, and remittances; Providing user authentication services using biometric hardware and software technology for e-commerce transactions; Providing temporary use of on-line non-downloadable computer software for use as a digital wallet