Software as a service (SAAS); cloud computing services; provision of non-downloadable cloud based software; providing temporary use of on-line non-downloadable software, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions via computers, mobile phones, wired and wireless communication devices, and optical and electronic communications networks; providing temporary use of on-line non-downloadable software for managing accounts, finance and accounting in the field of field service and home service businesses; providing temporary use of on-line non-downloadable software for database management in the field of field service and home service businesses; providing temporary use of non-downloadable software that enables field service technicians and home service personnel to communicate with customers and vendors, and to manage departure and arrival times via a website; providing temporary use of on-line non-downloadable software for data analytics; providing temporary use of on-line non-downloadable software for creating searchable databases of information and data; providing temporary use of on-line non-downloadable software for use in providing navigational, commercial, traffic and directory information via computers, mobile phones, wired and wireless communication devices, and optical and electronic communications networks; providing temporary use of on-line non-downloadable software for use in posting, transmitting, retrieving, receiving, reviewing, organizing, searching and managing text, audio, visual and multimedia data and content via computers, mobile phones, wired and wireless communication devices, and optical and electronic communications networks; providing temporary use of on-line non-downloadable software for calculating, mapping, transmitting and reporting information relating to the location, movement, proximity, departure and arrival of individuals and objects via computers, mobile phones, wired and ; wireless communication devices, and optical and electronic communications networks; providing temporary use of on-line non-downloadable software for calculating, mapping, transmitting and reporting logistical and navigational information via computers, mobile phones, wired and wireless communication devices, and optical and electronic communications networks; providing temporary use of on-line non-downloadable software for use in customer relationship management (CRM); providing temporary use of on-line non-downloadable software for sending, updating and receiving data stored in an enterprise's computer databases using a mobile device; providing temporary use of on-line non-downloadable software for use in creation and storage of reports and forms; providing temporary use of on-line non-downloadable software for identification and authentication of digital files, including audio, video, text, bar codes, signatures, binary, still images, graphics and multimedia files; providing temporary use of on-line non-downloadable software for use in the encryption and decryption of digital files, including audio, video, text, bar codes, signatures, binary, still images, graphics and multimedia files; providing temporary use of on-line non-downloadable software in the field of field service and home service businesses for cost estimating, locating products, describing products, managing sales, managing inventory, rating products, pricing products and comparing prices of products