Software-as-a-service (SaaS) featuring software in the field of e-commerce, namely, for use in tokenization and secure transmission of cardholder data to third-party payment processors via a global network, for use in tokenization, secure storage, and management of cardholder data, for use in tokenization and secure storage of credit cards in an online wallet, for use in automated billing and subscription management, and for use in mobile point of sale applications