Software as a service (SAAS) services, namely, hosting software for use by others for customizable digital messaging and interactive digital personalization of gift cards, electronic and physical greetings, electronic and physical marketing materials, and electronic notifications and confirmations, for loyalty program management, for promotion and management of retail events, for distribution and redemption of electronic stored value cards, for arranging and conducting electronic and physical promotional events, and for integration of personalized digital communications and digital media, namely, multimedia files and digital photograph books; platform as a service (PAAS) services, namely, hosting computer software platforms for use by others for customizable digital messaging and interactive digital personalization of gift cards, electronic and physical greetings, electronic and physical marketing materials, and electronic notifications and confirmations, for loyalty program management, for promotion and management of retail events, for distribution and redemption of electronic stored value cards, for arranging and conducting electronic and physical promotional events, and for integration of personalized digital communications and digital media, namely, multimedia files and digital photograph books