Downloadable software used for enabling users to engage in social commerce relating to a credit, debit and payment card program, namely, allowing users of the web site and credit, debit and payment card program to communicate with a social network of other users, recruit additional users, track prospective new users, and obtain and maximize revenue based on the number of users referred to the community; downloadable software used for tracking and viewing customer rewards and incentive programs; downloadable software for accessing digital content in the fields of entertainment, travel, hotels, and restaurants via electronic and optical communications networks; downloadable software allowing users to submit electronic data to and access data from a website for educational and entertainment purposes; downloadable software used for accessing a website where users can post ratings, reviews and recommendations on events, locations, services, and activities in the fields of entertainment, travel, hotels, and restaurants; downloadable software for the transmission of messages among users in the fields of entertainment, travel, hotels, and restaurants; downloadable software used for providing travel information and maps and for booking and checking travel reservations; downloadable software used for searching hotel rates and airfares and booking hotels and airfare; downloadable software used for enabling electronic commerce payments that enables consumers to use loyalty points, reward points, cash back offers and coupons, miles and other forms of rewards to make online purchases, in whole or in part, of virtual, digital and physical goods; downloadable software used for enabling consumers to use loyalty points, reward points, cash back offers and coupons, in the fields of hotel reservation, rental cars, and travel venues; downloadable software used for providing access to electronic data in the field of customer loyalty programs that provides cash-back rewards, virtual currencies, and money movement solutions; downloadable software for use in providing an online computer database in the field of travel information; downloadable software for identifying, sorting and filtering consumer coupons, rebates, promotions and discounts based on a user's personal information and automatically applying applicable consumer coupons, rebates, promotions and discounts for credit, debit and payment card purchases

Customer loyalty services for commercial, promotional and advertising purposes; promoting the use of charge and credit card accounts of others through the administration of incentive programs; promoting the use of social networking and interaction through the administration of incentive and reward programs; promoting the sale of the goods and services of others by means of rewards and incentives generated in connection with the use of credit, debit and payment cards via wireless networks, mobile telecommunications devices or global computer networks; conducting customer loyalty, reward, affinity and incentive programs for commercial promotion and for advertising purposes; advertising services, namely, promoting and marketing the goods and services of others via electronic communication networks; promotional services, namely, administration of a customer loyalty program which provides cash-back rewards to consumers who purchase products and services of others; promotional services, namely, arranging and conducting merchant-funded rewards programs to support cash back rewards; business information services featuring consumer tracking, analyzing, forecasting and reporting of cardholder purchasing behavior; data processing of electronic credit and debit transactions; data processing of electronic virtual currencies; and financial records management

Value exchange services, namely, secure electronic cash transactions and electronic cash transmissions over public computer networks to facilitate electronic commerce and electronic funds transfer; providing financial information; electronic funds transfer and currency exchange services; financial assessment and risk management services for others in the field of consumer credit; electronic commerce payment service that enables consumers to use loyalty points, reward points, cash back offers and coupons, miles and other forms of rewards to make online purchases, in whole or in part, of virtual, digital and physical goods; electronic commerce payment service that enables consumers to use loyalty points, reward points, cash back offers and coupons, in the fields of hotel reservation, rental cars, and travel venues

Software as a service (SAAS) services featuring software used for enabling users to engage in social commerce relating to a credit, debit and payment card program, namely, allowing users of the web site and credit, debit and payment card program to communicate with a social network of other users, recruit additional users, track prospective new users, and obtain and maximize revenue based on the number of users referred to the community; software as a service (SAAS) services featuring software used for tracking and viewing customer rewards and incentive programs; Software as a service (SAAS) services featuring software for accessing digital content in the fields of entertainment, travel, hotels, and restaurants via electronic and optical communications networks; software as a service (SAAS) services featuring software allowing users to submit electronic data to and access data from a website for educational and entertainment purposes; software as a service (SAAS) services featuring software used for accessing a website where users can post ratings, reviews and recommendations on events, locations, services, and activities in the fields of entertainment, travel, hotels, and restaurants; software as a service (SAAS) services featuring software for the transmission of messages among users in the fields of entertainment, travel, hotels, and restaurants; software as a service (SAAS) services featuring software used for providing travel information and maps and for booking and checking travel reservations; software as a service (SAAS) services featuring software used for searching hotel rates and airfares and booking hotels and airfare; software as a service (SAAS) services featuring software used for enabling electronic commerce payments that enables consumers to use loyalty points, reward points, cash back offers and coupons, miles and other forms of rewards to make online purchases, in whole or in part, of virtual, digital and physical goods; software as a service (SAAS) services featuring software used for enabling consumers to use loyalty points, reward points, cash back offers and coupons, in the fields of hotel reservation, rental cars, and travel venues; software as a service (SAAS) services featuring software used for providing access to electronic data in the field of customer loyalty programs that provides cash-back rewards, virtual currencies, and money movement solutions; software as a service (SAAS) services featuring software for use in providing an online computer database in the field of travel information; software as a service (SAAS) services featuring software for identifying, sorting and filtering consumer coupons, rebates, promotions and discounts based on a user's personal information and automatically applying applicable consumer coupons, rebates, promotions and discounts for credit, debit and payment card purchases