Issuance of gift certificates with PIN (personal identification number); issuance of prepaid gift card; issuance of discount coupons that provide mobile data; issuance of mobile gift voucher; issuance of mobile gift certificates(electronic gift certificates) which may then be redeemed for goods or services; issuance of mobile gift certificates(gifticon); issuance of mobile voucher (electronic gift certificates); issuance of mobile gift certificates for refueling of vehicles; issuance of mobile tickets(discount coupons); issuance of mobile discount coupon in the nature of tokens of value; issuance electronic coupons in the nature of tokens of value via smart phones; financial advisory, management and consultancy services; issuance of electronic gift certificates which may then be redeemed for goods or services; financial advisory services relating to securities, derivatives and other financial products