Downloadable computer programs for use in database management in the field of promoting the goods and services of others through the distribution of merchandise for commercial or advertising purposes; downloadable electronic publications in the nature of newsletters and magazines in the field of promoting the goods and services of others through the distribution of merchandise for commercial or advertising purposes to be used by customers for redemption of gift certificates by means of customer operated electronic terminals

Consulting services in the field of promoting the goods and services of others through the distribution of merchandise for commercial or advertising purposes by means of redemption of gift certificates; Issuing of gift certificates which may then be redeemed for goods and services

Bill payment services; check processing services