Recorded software for creating a mobile application for electronic payments; Recorded software for processing electronic payments; Recorded authentication software for controlling access to and communications with computers and computer networks; Downloadable software for creating a mobile application for electronic payments; Downloadable software for processing electronic payments; Downloadable authentication software for controlling access to and communications with computers and computer networks | Electronic payment processing services, namely, electronic processing and transmission of payment data; payment gateway services | Providing temporary use of on-line non-downloadable software for creating a mobile application for electronic payments; Providing temporary use of on-line non-downloadable software for processing electronic payments; providing temporary use of on-line nondownloadable authentication software for controlling access to and communications with computers and computer networks; Providing on-line non-downloadable software for creating a mobile application for electronic payments; Providing on-line non-downloadable software for processing electronic payments; Providing on-line non-downloadable authentication software for controlling access to and communications with computers and computer networks