Business software including e-commerce software to allow users to perform electronic business transactions including the payment of bills via a global computer network; billing application software specifically designed to facilitate automated payment of multiple bills with a consolidated summary of payment activity; electronic publications (downloadable); printed publications in electronically readable form

Business and business consulting services including the aforesaid services in relation to the provision of credit and financial services, receipting, response handling and payment services relating to automated bill payment services; customer loyalty and rewards programs relating to the provision of automated bill payment services