Organisation, operation and management of customer loyalty schemes, sales incentive schemes, promotional incentive schemes, reward schemes; electronic commerce services; retailing services; wholesaling services; distribution services; advertising services; marketing services; promotional services; compilation of information into databases; administration services; providing user access to a global communication network; electronic bulletin board services; electronic mail services; SMS services; providing telecommunication to a global communications network; web casting; telecommunication services for the collection, transmission, processing and storage of messages and data; audio and video conferencing; banking and financial services including credit card, charged card, debit card, and online banking financial services; electronic funds transfer services