Providing and administering an incentive award program, namely, an accumulating value point system for customers who purchase the goods or services of others, whereby customer card holders accumulate points based on card use redeemable for free or discounted goods and services for the purpose of promoting and rewarding loyalty; Providing and administering an incentive award program, namely, an accumulating value point system for customers who purchase the goods and services of others, whereby customer card holders accumulate points based on card use that can be exchanged for discounts on travel insurance, car rental fees and shipboard amenities for the purpose of promoting and rewarding loyalty; Administration of a value point program for enabling participants to obtain discounts on goods and services through use of a value point program card and a discount membership card; Sales promotion for others provided through the distribution and the administration of value point program cards; Promoting the sale of goods and services of others by awarding purchase points for value point program card and discount membership card use; Travel management; Promoting the goods and services of others by providing hypertext links to the websites of others; Providing a web site marketplace at which participating merchants can offer goods or services for sale under a value point system

Debit card services in the nature of a value point system for customers who purchase the goods and services of others, namely, transaction processing services of accumulated value points; Accounts payable debiting services

Travel services for preferred customers, namely, cruises, travel information, arranging of on-shore excursions in the nature of arranging transport and transportation for participants of on-shore excursions, arranging and providing land-based passenger transportation which permit the application of earned value point system card points