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Providing temporary use of on-line non-downloadable computer software for payment processing, authentication, management and tracking; providing temporary use of on-line non-downloadable computer software for businesses, namely, software for use in enabling, facilitating, operating, and managing customer relations and loyalty programs; providing temporary use of online non- downloadable software for use in collecting, storing, analyzing, and providing data and information regarding electronic payment transactions; providing temporary use of online non-downloadable software for enabling individuals and businesses to create web presences, namely, online demographic business profiles, that summarize purchasing history, preferences, payment history and methods, and other information regarding online and mobile commercial transactions; providing temporary use of on-line non- downloadable computer software for business optimization, planning and administration; constructing an Internet platform that enables users to create shopping lists, and back-order items for future delivery; providing temporary use of on-line non-downloadable computer software for making reservations and bookings for entertainment, sporting and cultural events, for accommodations, meals, spa appointments and for other personal care appointments; computer services, namely, creating an on-line community for registered users to participate in discussions, share ratings, reviews, recommendations, suggestions, favorites and product and service purchase history, get feedback from their peers, form virtual communities, and engage in social networking regarding the products and services of others; mapping services; providing temporary use of online, non-downloadable software for third party merchants and businesses for enabling and facilitating business operations, namely, provisioning business services, employee management services, payroll administration, management and processing services, appointment scheduling services, and documentation and security services; providing temporary use of online, non-downloadable software that provides a dashboard of information, data and tools for evaluating the operation of a business and employees, for creating and analyzing sales and revenue forecasts and results, and for providing reports regarding the same, for inventory management, and for enhancing communications between such businesses and their employees and customers; providing temporary use of online, non- downloadable software for facilitating the provision of e-commerce services to others. Security services for third party merchants and businesses for enabling and facilitating business operations, namely, fraud detection services in the field of online and mobile payments, electronic monitoring, detecting and reporting on suspicious and abnormal patterns of point of sale activity indicating theft, fraud or other criminal activity; providing fraud detection services for electronic funds transfer, credit, debit and electronic funds transactions.