Direct Insite Corp. operates as an application service provider (ASP) and markets an integrated service offering that provides for high-volume processing of transactional billing data and supports a visual data analysis and reporting tool that is delivered via the Internet. The Company operates in one business segment, the electronic billing presentment and payment (EBP&P) sector, and, during the years 2003 and 2002, has provided three primary forms of service offerings: EBP&P application service provider (ASP) services, telecommunications asset management system (TAMS) and professional engineering services. Within the ASP offering, the Company provides two primary services: Invoices On Line, an EBP&P offering, and dbExpress, a data-visualization and mining service.