Providing temporary use of non-downloadable software for customer banking and financial institutions to perform secure payment card processing of credit card transactions and bank card processes and confidential financial information with customer sales and financial operations; for use in automated payment processing, transaction settlement and storing encrypted data; for use in the retrieval and transmission of confidential financial information used by payment card customers and financial institutions; for use in financial transaction processing, database management, and customer relationship management; for performing on-line banking functions, namely, wire transfers, loan repayments, automated clearinghouse transactions and stop payments as well as accessing account balance and transaction records; to obtain information on foreign exchange rates; to conduct Federal Reserve transactions; to conduct treasury tax and loan payment transactions; to order coin and currency; and to order savings bonds