Promotion of business opportunities; business marketing consulting services; providing incentive reward programs for acquiring and retaining customers through the issuance and processing of loyalty cash back rewards and incentives for frequent users of participating businesses; providing incentive reward programs for customers and employees through the distribution of stored value cards for the purpose of promoting and rewarding loyalty; arranging and conducting incentive reward programs to promote the sale of various merchants' goods and services through the use of cash back for purchases; arranging and conducting incentive reward programs to promote the sale of merchants' goods and services while contributing a portion of the purchase price to selected charities