computer software used to conduct electronic commerce, to process and transmit purchase transactions, to conduct promotional programs and incentive award programs, and to pay loyalty incentives in the form of electronic currency or economic value via a customizable, pre-paid, re-loadable credit card payment platform that allows payments to be transmitted in real-time; encoded cards for use in corporate and employee incentive and loyalty programs

organization, operation, management and supervision of on-line sales promotional, incentive and loyalty schemes for others to improve the acquisition, retention, and loyalty of their employees, customers, and partners; administration of incentive award and loyalty programs for others to improve the acquisition, retention, and loyalty of their employees, customers, and partners; providing information on marketing, sales promotional, incentive award and customer, employee, and partner loyalty and retention programs via a global computer network; conducting employee incentive award programs to promote employee performance; conducting employee incentive award programs to promote employee performance; conducting consumer and business incentive award and loyalty programs to promote the purchasing of goods and services of others and to promote traffic to and use of others' web sites on the global computer network; promoting the goods and services of others through the administration of employee incentive award and loyalty programs for businesses; promoting the goods and services of others through incentive, affiliate, loyalty and partnership programs and through the administration of an on-line business program and award program designed to enable businesses to improve the acquisition, retention, and loyalty of their employees, customers, and partners; designing and administering direct marketing programs to enable businesses to improve the acquisition, retention, and loyalty of their employees, customers, and partners; providing a proprietary web site to subscribers or participants in one or more incentive-based promotions, customer loyalty or employee incentive programs, featuring real-time account information transmitted via the Internet or the extranet or Intranet of businesses; providing information relating to incentive-based promotions, consumer loyalty or employee incentive programs, in the form of links to sites of business partners or clients

financial services, namely, providing consumer inducements and incentives, namely, credits, payments, and transfer in the form of money or economic value, to encourage consumers to visit websites, watch advertisements, complete surveys and forms, and patronize websites; providing online stored value accounts in open environments; providing electronic multimerchant gift tender; providing electronic multimerchant currency in the form of money or economic value; distributing electronic multimerchant currency that is used for the purchase of goods or services from third parties by direct purchase or through gift certificates and accompanying greeting cards, debit cards, or electronic funds transfer; providing debit cards in conjunction with promotional, incentive and loyalty schemes for the benefit of others