Administration of employee incentive and customer loyalty award programs featuring the aggregation, conversion and redemption of incentive and loyalty points; Providing incentive and loyalty award programs for customers and employees through the issuance and processing of award points that can be redeemed toward the online purchase of goods and services; Providing online shopping services for purchases via award points and credit cards, in the field of books, computers, software, office supplies, consumer electronics, music, sporting equipment, gifts, travel items, apparel, home and garden-related items, and general retail merchandise