Arranging and conducting incentive reward programs to promote the sale of On-line social networking services; administration of a discount program enabling participants to obtain discounts on goods and receive improved services; customer loyalty services and customer club services, for commercial, promotional and/or advertising purposes; Providing incentive award programs for customers through the issuance and processing of loyalty coupons for frequent use of participating businesses; Providing incentive award programs for customers and employees through the distribution of prepaid stored value cards for the purpose of promoting and rewarding loyalty