Computer software for business process management, namely software for creating, maintaining and linking databases of information relating to customers, suppliers and other business contacts; computer software for use by businesses to manage interactions with their customers by means of the telephone, by means of Internet web sites, by means of facsimile communications, by means of electronic mail and in person; computer software for managing customer service requests; computer software for routing customer inquiries to the appropriate personnel and for prioritizing the work resulting from such inquiries; computer software for automatically retrieving and analyzing information required to respond to customer inquiries; computer software for automatically generating communications in response to customer inquiries; computer software for resolving customer-related issues by reference to appropriate business rules; computer software for managing telephone call centers; computer software for integrating customer data and contact information from a variety of different sources; computer software used for business workflow automation; computer software for generating reports for use by business managers and by computer system administrators; computer accounting software; computer software for obtaining credit rating information about customers and potential customers; computer software for use by members of the financial services industry to manage credit card customer service operations, credit card issuance and credit card collections; computer software for use by members of the financial services industry to manage check exceptions and money transfer exceptions; computer software for managing online mutual fund purchasing, redemption and transfers; computer software for maintaining financial databases and for generating financial reports; computer software for conducting electronic banking transactions by means of an Internet web site; computer software for use by members of the health care industry to manage health care referrals, to verify insurance coverage and to process insurance claims; user manuals packaged as a unit with the foregoing goods