Customer loyalty services and customer club services, for commercial, promotional and/or advertising purposes; providing incentive award programs for customers and employees through the distribution of prepaid stored value cards for the purpose of promoting and rewarding loyalty; providing incentive award programs through issuance and processing of loyalty points for purchase of a company's goods and services; Arranging and conducting incentive reward programs to promote the sale of the goods and services of others; Providing incentive award programs through issuance and processing of loyalty points for purchase of a company's goods and services; Providing incentive award programs for customers through issuance and processing of loyalty points for on-line purchase of a company's goods and services; Business administration of consumer loyalty programs; Administration of a customer loyalty program which provides cash-back digital rewards on the purchase of a company's goods and services