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 through issuance and processing of loyalty points for on-line purchase of a company's goods and services; Providing incentive award programs through issuance and processing of loyalty points for purchase of a company's goods and services; Retail store services in the field of Restaurant Goods and Services featuring a frequent patron program in which points are accumulated to be used for discounts on future purchases