Provision and operation of a medium of exchange for transactions conducted via a global computer network; administration services to facilitate the provision and exchange of services via global computer networks; information and advisory services provided to consumers and relating to the products, services and wares of merchants and retailers; information and advisory services provided to subscribers to sales promotional incentive and loyalty schemes, including information pertaining to account balances and transaction details; information and advisory to sales promotional incentive and loyalty schemes including information pertaining to account balances and transaction details; information and advisory services to business; global computer network services; computer consultancy; computer programming; maintenance of computer software; software design; packaging design; and graphic arts design