Conducting employee incentive award programs to promote employee productivity, performance, recognition and morale; 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 for customers and employees through the distribution of physical and online gift certificates and pre-paid-gift cards for the purpose of promoting and rewarding loyalty; Issuing gift certificates which may then be redeemed for goods or services; Computerized on-line ordering services through an interactive web site featuring prepaid gift certificates of others; Computerized on-line gift ordering service which matches the gift giver's requirements with the gift recipient's wants and needs