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