36 PROVIDING SHOPPING SERVICES, NAMELY PROVIDING INFORMATION REGARDING PRODUCTS AND SERVICES ELECTRONICALLY BY TELEPHONE, WEB TV, OR A GLOBAL NETWORK OF COMPUTERS; RECEIVING REQUESTS FROM CUSTOMERS FOR BIDS TO SELL PRODUCTS AND SERVICES, PROVIDING VENDOR BIDS TO CUSTOMERS FOR SHOPPING BASED ON LEARNED CONSUMER SPENDING PROFILES, PROVIDING AN AUTOMATED, BILATERAL BIDDING NEGOTIATION PROCESS, ORDER PROCESSING SERVICES, NAMELY CREDIT CARD PROCESSING SERVICES, PAYMENT BY TELEPHONE SERVICES, PAYMENT BY WIRE SERVICES; AND, SERVICES INVOLVING FINANCIAL AFFAIRS, NAMELY, INSURANCE BROKERAGE SERVICES, INVESTMENT BROKERAGE SERVICES, AND COMMERCIAL BANKING BROKERAGE