Financial services, namely, providing online stored value card accounts in an electronic environment; providing online stored value card services; providing temporary use of online non-downloadable computer software that enables companies and organizations to administer and manage employee incentive award programs and to promote employee productivity, performance, recognition and morale; providing technical support services, namely, troubleshooting, for online non-downloadable computer software that enables companies and organizations to administer and manage employee incentive award programs and to promote employee productivity, performance, recognition and morale; creation, design, development and maintenance of web sites for third parties; conducting incentive reward programs to promote the sale of products and services of others, associated with an application programming interface to integrate a rewards program into a user's information technology systems