Providing incentive award program, namely, an accumulating value point system for customers who purchase the goods or services of others, whereby customer card holders accumulate points based on card use redeemable for free or discounted goods and services for the purpose of promoting and rewarding loyalty; Providing incentive award program, namely, an accumulating value point system for customers who purchase the goods and services of others, whereby customer card holders accumulate points based on card use that can be exchanged for discounts on travel insurance, car rental fees and shipboard amenities for the purpose of promoting and rewarding loyalty; Administration of a value point program for enabling participants to obtain discounts on goods and services through use of a value point program card and a discount membership card; Sales promotion for others provided through the distribution and the administration of value point program cards; Promoting the sale of goods and services of others by awarding purchase points for value point program card and discount membership card use; Travel management; Promoting the goods and services of others by providing hypertext links to the websites of others; Providing an online marketplace for buyers and sellers of goods or services using a value point system as its currency

Debit card services, namely, transaction processing services of accumulated value points awarded as part of loyalty incentive program for customers who purchase the goods and services of others; Accounts payable debiting services

Travel services for preferred customers, namely, arranging of cruises, providing travel information, providing transport for on-shore excursions, arranging of transportation for travel tours and providing land-based passenger transportation all through the application of loyalty incentive program that rewards value point system card points