35 Business management and business administration of online merchants for and on behalf of such merchants, but also for and on behalf of other parties involved in the payments chain, such as administrative processing of purchase orders, invoicing, negotiation and conclusion of commercial transactions for third parties; outsourcing services and business management and organization consultancy; data processing services in the field of check, credit, debit, stored value and electronic benefits transfer card transactions and payments; bookkeeping and data processing in the field of employee benefits and pension plans; advertising services, namely, selective insertion of promotional and informational materials into mailings; advertising and marketing services, namely, direct mail, development and creation of brochures, sales support communications and other printed promotional materials; marketing and advertising services for others, namely, placing of onscreen advertising on automatic teller machines; mail processing services for others, namely, mail sorting and handling and receiving; business management, namely, efficiency expert services in the areas of information and workflow processing management; business administration services, namely, computerized order processing and inventory management; business services, namely, administration, billing and reconciliation of accounts on behalf of others; providing business information management services, namely, managing business information and data databases of others and preparing from said databases business models, business reports and correspondence comprising business information for others for use in business management activities and in customer mailings; business services for others, namely, providing market analysis in the nature of business marketing database modeling and scoring and providing business marketing information services for card issuers, deposit banks, and other direct marketers; business investigations; operation of telephone call centres for others; customer services, namely, responding to customer inquiries for others regarding business concerns in the field of payment transactions; customer loyalty services for financial institutions and merchants for commercial, promotional and/or advertising purposes, namely, conducting incentive award programs to promote the sale of products and services of others; promoting the sale of the goods and services of others through the distribution and processing of electronic coupons issued over a global computer network; tax filing and tax calculation services; providing an on-line interactive database containing commercial business information regarding consumers, namely, commercial financial transaction data, consumer data and customer data; processing of customer loyalty points, discounts and rewards via wireless proximity payment devices and magnetically encoded cards