Providing temporary use of online non-downloadable software for use in transferring funds into savings for use in connection with third party retailers; Providing temporary use of online non-downloadable software for use in providing a retailer embedded consumer experience for consumer savings and financial transactions; Providing temporary use of online non-downloadable software for use in transferring funds to and from consumers and third party retailers; Providing temporary use of online non-downloadable software relating to the handling of financial transactions and electronic funds transfers; Providing temporary use of online non-downloadable software for facilitating financial transactions by collecting, storing and transmitting data and information for use in saving for and financing purchases; Providing temporary use of online non-downloadable software for enabling users to purchase goods and services electronically, as well as transaction authorization, credit authorization, processing electronic payments, processing financial transactions, and facilitating financial transactions by collecting, storing and transmitting data and information for use in saving for and financing purchases