PROVIDING NON-DOWNLOADABLE SOFTWARE ACCESSIBLE VIA THE WORLDWIDE WEB FOR LICENSED COMMERCIAL CARD ADMINISTRATORS, CARDHOLDERS, AND FINANCIAL INSTITUTIONS FOR REVIEW OF COMMERCIAL CARD INVOICES AND ACCOUNT INFORMATION; PROVIDING NON-DOWNLOADABLE COMPUTER SOFTWARE ACCESSIBLE VIA THE WORLDWIDE WEB FOR LICENSED COMMERCIAL CARD ADMINISTRATORS TO ENABLE REPORTING, REVIEW CARD HOLDER SPENDING, AND FOR CARD HOLDERS TO REVIEW TRANSACTIONS AND PAY INVOICES ONLINE