Downloadable software for processing payment transactions, voucher redemption, scheduling, managing and updating appointments, analyzing merchant transactions, managing merchant accounts, evaluating, tracking and managing information on business performance and customers, business analytics, tracking customer data, and analyzing, modeling and reporting customer information and maintaining consumer-related data; computer software for promoting goods and services; computer application software that allows users to access and offer coupons, rebates, product reviews, and discount information; downloadable software for use in the management of commerce