Promoting the goods and services of clients and others through on-line incentive awards programs, customer loyalty programs and discount programs whereby participants accumulate points based on usage of credit cards, debit cards and other cards and instruments utilized in loyalty, incentive and discount programs, which can be redeemed for free and discounted goods, services and other benefits related to electronics, cash awards, charitable contributions, sports and leisure activities, home goods, health and beauty products, magazines, entertainments products, concerts, dining, travel, namely air, car rental, hotel, vacation packages and cruises, and outdoor activities, namely rafting and parachuting