providing e-commerce services to subscribing retailers, namely providing on-line transaction processing, on-line payment processing, specified product catalogue database management, on-line product sales, customer activity and other performance reports, delivery service notification and dispatching, consumer and/or retailer loyalty incentive programs; Internet telephone interfacing; on-line promotional message presentation; providing computerized on-line searchable guide for locating, presenting and ordering of general retail consumer products and services of others; website design and development services; website hosting and e-mail services