Business services, namely, administration of a consumer loyalty, affinity,and incentive award program to promote the issuance of credit cards, debit cards, smart cards, and stored-value cards and the use of smart phones and mobile devices to make point of sale payments by others; Business advisory services, consultancy and information; public advocacy to promote awareness of credit, debit, payment card, stored-value card, smart phone and mobile device transaction processing practices; Administration of a consumer loyalty program to promote retail services of others; Customer loyalty services and customer club services, for commercial, promotional and/or advertising purposes