loyalty and reward program promoting the company's and third parties' goods and services by means of a point accumulation program which keeps track of a customer's purchases and offers incentives based upon the amount of the purchases; a nominal currency that can be used by customers to purchase the company's and third parties' goods and services; promoting the company's and third parties' goods and services via targeted advertising; electronic commerce information and transactions services, namely, providing a private shopping network via a telephone, cellular phone, pager or global computer information network