Development of new technology for others in the field of consumer payment methods; Providing temporary use of on-line non-downloadable cloud computing software for facilitating and managing payment transactions by collecting, storing, and transmitting consumer data and credit information for use in the financing of purchases; Providing temporary use of on-line non-downloadable cloud computing software that accommodates multiple types of payment transactions and payment processing in an integrated mobile phone, PDA, and web-based environment; Providing a secure electronic online system featuring technology which allows splitting payments from consumers to businesses, merchants, and retailers into multiple payments; Providing temporary use of on-line non-downloadable cloud computing software for collecting consumer financial data and processing consumer payment transactions at point-of-sale