Providing incentive award programs for customers through issuance and processing of loyalty points for on-line purchase of a company's goods and services; Administration of a customer loyalty program which provides which provides points on purchases which can be redeemed for discounts on the purchase of a company’s goods and service; Providing incentive award programs through issuance and processing of loyalty points for purchase of a company's goods and services; Business administration of consumer loyalty programs; Customer loyalty services and customer club services, for commercial, promotional and/or advertising purposes