Providing temporary use of on-line non-downloadable software for enabling the electronic transfer of money between users; Providing temporary use of on-line non-downloadable software for transfer, spit, and share funds between users; Providing temporary use of on-line non-downloadable software for enabling processing of electronic funds transfers and payments made via ACH (automated clearing house), credit card, debit card, electronic check and electronic, mobile and online payments; Providing temporary use of on-line non-downloadable software for promoting the goods and services of others, namely, providing information regarding rewards, discounts, cash back, coupons, rebates, vouchers and special offers for the goods and services of others