Prepaid plastic magnetically encoded debit cards for use in incentive programs used to motivate and recognize achievement, show appreciation to employees, affiliates, resellers, consumers and vendors, or reward employees or customers; virtual debit cards, namely, downloadable electronic data files containing financial information for use with an incentive programs used to motivate and recognize achievement, show appreciation to employees, affiliates, resellers, consumers and vendors, or reward employees or customers; electronic terminals which facilitate bill payment, money transfer, prepaid card and prepaid account issuance, opening and loading, and prepaid credit card loading and top-up services for mobile telephones; interactive computer kiosks comprising computers, computer hardware, computer peripherals, and computer operating software for use in processing financial transactions, namely, consumer bill payment, money transfer, prepaid card and prepaid account issuance, opening and loading, and prepaid credit card loading and top-up services for mobile telephones

Debit account services featuring computer readable prepaid plastic cards and an online debit account used with an incentive programs to motivate and recognize achievement, show appreciation to employees, affiliates, resellers, consumers and vendors, or reward employees or customers; financial services, namely, bill payment services, money transfer services, prepaid card issuance and loading services, and prepaid credit card loading and top-up services for mobile telephones, all offered through interactive computer kiosks