Electronic incentive compensation cards for employees in recognition of employee services and to encourage productivity, namely, issuance of electronic cards of others for employees in recognition of employee services and to encourage productivity that can be redeemed for goods and services of participating retailers, excluding the banking and financial services industry; downloadable electronic incentive compensation cards of others for employees in recognition of employee services and to encourage productivity which may be redeemed for goods and services of others, excluding the banking and financial services industry; providing incentive programs for employees in recognition of employee services and to encourage productivity through the distribution of electronic incentive compensation cards of others and electronic incentive compensation vouchers of others, excluding the banking and financial services industry; and issuing electronic incentive compensation cards of others and electronic incentive compensation vouchers of others for use by employees in recognition of employee services and to encourage productivity, excluding the banking and financial services industry