providing a web based system and online portals in the field of consumer-to-business commerce for consumers to enter, manage and modify their consumer preference information for use by merchants to create and manage offers for delivery of services to consumers; providing a web based system and online portal in the field of consumer-to-business commerce for consumers to enter questions and comments regarding goods and services provided by the utility and third party service providers and produ...

data processing services sold to financial institutions for support of customers of the institution