Providing temporary use of on-line non-downloadable software for making financial transaction requests and for providing transaction notifications and messages; providing temporary use of on-line non-downloadable software for managing and verifying financial transactions; providing temporary use of on-line non-downloadable software for accessing, reading, and tracking information in the field of financial transactions; providing temporary use of on-line non-downloadable software for an electronic financial platform that accommodates multiple types of credit and debit transactions in an integrated mobile phone and/or web-based environment; providing temporary use of on-line non-downloadable software embedded into and used as a feature of mobile applications for managing and verifying financial transactions; providing temporary use of on-line non-downloadable software for accessing, reading, and tracking information in the field of financial transactions; application service provider (ASP) featuring e-commerce software for use as a transaction gateway that authorizes processing of credit or debit transactions for merchants