Administration of a customer loyalty program which provides cash back to consumers for using certain payment methods and accrues interest; providing an incentive award program that provides incentives to consumers for using certain payment methods when making purchases and provides interest on accrued incentives; arranging and conducting an incentive reward program to promote the use of certain payment methods; administration of a consumer loyalty program to promote the use of certain payment methods; providing an incentive award program that allows customers to earn interest on amounts deposited into an incentive award account; incentive award program to promote the sale of products and services of others; providing incentive award programs for customers through the issuance of interest