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; Software as a service (SAAS) services featuring software for merchant transaction management; Software as a service (SAAS) services, namely, hosting software for use by others for payment processing; Providing temporary use of on-line non-downloadable software for payment processing; Providing temporary use of on-line non-do...