42 Application service provider (ASP) featuring business process automation software including including expense management, predictive analysis for expense management, itinerary management, meeting management, vendor payment management, payment processing, and predicting trends and future needs related to them; Software as a service (SAAS) services, featuring business software for expense management, inventory management, order management, procurement management, invoice management, time and expense reporting, itinerary management, customer management, and purchasing management and monitoring; Application service provider (ASP) featuring software, including use in online business process automation for sales, financial management, accounting, expense reporting, marketing, and software for use in automation of personal and commercial business processes, namely, expense management including receipt management and expense reporting