Maintaining computer database files containing individuals' and/or businesses' customized collections of communications information such as addresses, telephone, pager and fax numbers, e-mail addresses and URL's, contact lists, and credit card numbers; providing information about and making referrals in the field of consumer products and services for retail services concerning products, services, events, activities, attractions and facilities in particular geographic locations; billing services; online account detail and bill paying information; invoicing services in the field of telecommunications; telephone bill management services, namely tracking, reporting, analyzing and delivering telecommunications information in the form of customized telephone bills; providing information about consumer products and services