Business management consultation in the field of business expense management programs; Assistance, advice and consultancy with regard to business planning, business analysis, business management and business organization relating to purchasing functions; Business management consultation in the field of purchases, namely, assisting businesses in improvement of purchasing functions; Business administration services in the field of business expense management programs

Magnetically encoded credit cards; Magnetically encoded debit cards

Bill payment services; Financial transaction services, namely, providing secure commercial transactions and payment options; Electronic payment services involving electronic processing and subsequent transmission of bill payment data; Financial administration of credit card accounts; Financial administration of business expense accounts, transportation expenses, fuel card accounts, and employee expense accounts; Issuing virtual credit cards for secure purchasing at online retail stores; Issuing of credit cards; Financial management of reimbursement payments for others; Providing an internet website portal in the field of financial transaction and payment processing services; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments

Providing temporary use of on-line non-downloadable software and applications for payment processing