Downloadable computer software for e-commerce merchants to track and manage their businesses, transactions, customers, and metrics in the fields of business and finance; Computer e-commerce software to allow users to perform electronic business transactions via a global computer network; Electronic software updates, namely, downloadable computer software and associated data files for updating computer software in the fields of business and finance, provided via computer and communication networks; Downloadable middleware for software application integration; Software libraries, namely, downloadable electronic data files for use in software design; Merchant services, namely, payment transaction processing services; payment and funds verification services; credit card verification; Online, real-time tax payment processing, tax payment financial management, and tax payment financial analysis services; currency exchange services; currency transfer services; financial services, namely, providing for the exchange of currency via the internet; Financial services, namely, online credit card payment and transaction processing and transmission of bills and payments thereof; financial services, namely, electronic funds transfer via electronic communications networks; clearing and reconciling financial transactions via electronic communications networks