9 Computer [ hardware and ] software for customer relationship management (CRM) at local branches of businesses, at field work locations, at call centers, at eBusinesses, at mBusinesses, and at self service terminals, for transmission of electronic messages and financial information, for electronically crediting and debiting clients' accounts, for managing and tracking sales transactions, for providing marketing research, for placing telephone calls for direct marketing and for sales campaign management; for providing lists of purchasers interested in purchasing goods and services and managing those lists, for contact management, for the electronic transmission of product information, for providing customer advice and consultancy concerning securities, loans, and insurance, for inventory management of products, for asset management, for liability management, for risk management, for customer counter and cash desk administration, for tracking the amount of business transacted during a given period of time, for savings management, for sorting coins and foreign exchange, for processing standing orders, direct debits and bills of exchange, for assessing the skills of employees and management of the allocation of those employees within the business, for form printing, for statistics reporting, for operating daybooks, for signature verification, and for bank card management and journal-keeping; all of the foregoing being in the banking, financial, telecommunications and insurance industries