computer software for use in database management and for use as a spreadsheet for definition and management of credit system solutions; computer software for use in database management and for use as a spreadsheet for credit policy and strategy in the credit decision processes; computer software for use in database management and for use as a spreadsheet for rating system and credit scoring solutions; computer software for use in database management and for use as a spreadsheet for credit risk management and credit risk assessment; computer software for use in database management and for use as a spreadsheet for workflow management within the credit and insurance sectors; [ computer software for use in database management and for use as a spreadsheet for the detection of insurance fraud; ] computer software for use in database management and for use as a spreadsheet for the strategic management of credit and marketing; computer software for use in database management and for use as a spreadsheet for the strategic management of credit and marketing recorded on magnetic carriers; and computer software for providing an online database of small business tax statements

Compilation of electronic databases, namely, compilation of databases featuring reports pertaining to financial, business profiles, credit cards, insurance topics and investment analysis

[ Financial consultation services, namely, providing credit and financial solutions pertaining to credit cards, small- and medium-sized enterprise investments and retail businesses; ] financial information processing; financial research; [ investment consultation, namely, investment analysis; ] financial research pertaining to credit risk assessment; credit consultation, namely, credit reporting and providing decision support in the nature of consultation and advice and score models for evaluating the credit risk associated with granting credit to businesses; [ providing insurance information; ] credit rating services [ ; consultancy services in the field of control of debit and credit, namely, consumer credit consultation regarding investments, loan and financial guarantees and financing of loans ]

remote database access via a global computer network, namely, transmission of database information via the global computer network

computer software creation and development, namely, software authoring [ ; and rental of computer software ]