Promoting the sale of goods and services of others through the provisioning of a cashback rewards ecosystem; promoting the goods and services of others, namely, providing cashback for the purchase of goods of others; providing incentive rewards programs for customers through the issuance of cashback and processing cashback spend on behalf of customers and participating businesses; promotional services, namely, promoting the goods and services of others by means of providing advertisements to consumers in a rewards ecosystem and providing cashback to consumers in a rewards ecosystem for the purchase of goods and services of others; Downloadable software for enabling consumers to participate in a rewards ecosystem allowing them to earn and redeem cashback rewards from and with participating businesses, namely, downloadable applications for smartphones for provisioning and controlling the spend of cashback rewards for customers within the rewards ecosystem with respect to participating businesses; financial services, namely, checking, savings, and credit services, money transfer services, loan services, installment purchase services, financial consulting services, and banking services