Customer loyalty services for commercial, promotional and advertising purposes; promoting the use of charge and credit card accounts of others through the administration of incentive programs; promoting the sale of the goods and services of others by means of rewards and incentives generated in connection with the use of credit, debit and payment cards via wireless networks, mobile telecommunications devices or global computer networks; conducting customer loyalty, reward, affinity and incentive programs for commercial promotion and for advertising purposes; promotional services, namely, administration of a customer loyalty program which provides cash-back and sweepstakes rewards to consumers who purchase products and services of others; marketing services; promotional services, namely, arranging and conducting merchant-funded rewards programs to support cash back rewards; business information services featuring consumer tracking, analyzing, forecasting and reporting of cardholder purchasing behavior; data processing of electronic credit and debit transactions; data processing of electronic currencies; and financial records management