Providing temporary use of on-line non-downloadable computer software for use as a digital wallet; Providing temporary use of on-line non-downloadable computer software for capturing, managing, and storing credit card and debit card information; Providing temporary use of on-line non-downloadable software for processing, facilitating, verifying, and authenticating electronic payments and contactless transactions with retailers, merchants, and vendors; Providing temporary use of on-line non-downloadable software for transferring funds to and from others; Providing temporary use of on-line non-downloadable for accessing, viewing and managing checking accounts, credit card accounts and savings accounts, paying bills and transferring money