Downloadable software for transaction approval and expense management; downloadable software for transmitting and managing data relating to business expenses; downloadable software for transmitting and managing data relating to financial transactions; downloadable software for aggregating business data to provide customized information relating to business cashflow, performance, revenue, expenses, metrics, and budget and spend management.

Provision of an on-line expense management tool for others in the nature of providing temporary use of online non-downloadable software for transaction approval and expense management; providing temporary use of a web-based software application for controlling, monitoring and validating credit, debit, charge and payment card transactions and virtual payment transmissions; online non-downloadable computer software for transmitting and managing data relating to business expenses; online non-downloadable computer software for aggregating business data to provide customized information relating to business cashflow, performance, revenue, expenses, metrics, and budget and spend management.