Providing temporary use of online, non-downloadable software for third party restaurants to provide restaurant bills to restaurant patrons and process mobile payments from restaurant patrons; providing temporary use of online, non-downloadable software for use in contactless transactions with restaurants via mobile devices; providing temporary use of online, non-downloadable software for transmitting, processing, facilitating, verifying, and authenticating credit and debit card information and transaction and payment information for payment of restaurant bills; providing temporary use of online, non-downloadable software used to provide an itemized order at a restaurant via a web browser or application on a mobile device; providing temporary use of online, non-downloadable software for ensuring the security of mobile payments, of contactless transactions with restaurants via mobile devices, and of credit and debit card information; providing temporary use of online, non-downloadable software for the storage, transmission, verification, and authentication of credit and debit card and other payment and transaction information for restaurant transactions