Marketing services provided for others via a global computer network, namely, analysis of purchase habits and other behavior of consumers based on consumer transactions; use of models to predict consumer needs; advertising consulting services, namely, use of modeling techniques to present consumer information, and presentation of information including creating graphics and promotional displays, for use on a global computer network; customized commercial information services, namely, providing targeting capabilities, information and analysis for use in connection with promoting goods and services of others on a global computer network; distribution of targeted and customized advertising and informational material on behalf of other businesses through electronic transaction statements, direct television, world wide web sites and other online media