Promoting the goods and services of others by means of a point accumulation program with points used for discounts on future purchases of those goods and services; Promoting the sale of goods and services of others by awarding purchase points for credit card use; Promoting the sale of goods and services of others by offering points for the purchase and or use of a transaction card that aggregates all of a users other transaction cards; Promoting the sale of goods and services of others by awarding purchase points for credit card use; Promoting the sale of goods and services of others through electronic couponing, promotions and discounts; Providing incentive award programs through issuance and processing of loyalty points for purchase of a company's goods and services; Providing incentive award programs for customers through issuance and processing of loyalty points for on-line purchase of a company's goods and services