Customer loyalty services and customer club services, for commercial, promotional and/or advertising purposes; Providing incentive award programs for customers and employees through the distribution of prepaid stored value cards for the purpose of promoting and rewarding loyalty; Providing incentive award programs for customers through issuance and processing of loyalty points for on-line purchase of a company's goods and services; Providing incentive award programs for customers through the issuance and processing of loyalty coupons for frequent use of participating businesses