Business advisory services, consultancy and information; business advisory services, consultancy and information in the fields of electronic payment processing and transmission of bill payment data; promotion of incentive award programs to promote the sale of others' products and services through the issuance and processing of loyalty points; business administration of consumer and commercial loyalty programs; business advisory and management services in the fields of accounts payable and accounts receivable processing and workflow; providing an on-line directory for facilitating electronic payment processing; business risk assessment services