Software as a service (SAAS), namely, hosting software for use by others for managing accounting and banking functions in real time, invoicing and receipts, credit card clearing, bill payment, employee payroll, financial reporting, hosting real time communications software for use by others for allowing customers to access bank account information and transact bank business from mobile devices and applications in instant and real time transmission of data, text, images, audio and video via global and local computer networks, wireless mobile applications and through the internet, for use in real time electronic messaging and real time wireless digital messaging to manage accounting and banking functions

'access':47 'account':15,49,101 'allow':44 'applic':59,81 'audio':70 'bank':17,48,53,103 'bill':28 'busi':54 'card':26 'clear':27 'communic':37 'comput':77 'credit':25 'custom':45 'data':67 'devic':57 'digit':97 'electron':91 'employe':30 'financi':32 'function':18,104 'global':74 'host':7,34 'imag':69 'inform':50 'instant':61 'internet':85 'invoic':22 'local':76 'manag':14,100 'messag':92,98 'mobil':56,80 'name':6 'network':78 'other':12,42 'payment':29 'payrol':31 'real':20,35,63,89,94 'receipt':24 'report':33 'saa':5 'servic':4 'softwar':1,8,38 'text':68 'time':21,36,64,90,95 'transact':52 'transmiss':65 'use':10,40,87 'via':73 'video':72 'wireless':79,96

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