PB MICROSAVINGS

Data processing services in the field of check, credit, debit, stored value and electronic benefits transfer card transactions and payments; services for merchants for commercial, promotional and/or advertising purposes, namely, conducting incentive award programs to promote the sale of products and services of others; promoting the sale of the goods and services of others through the distribution and processing of electronic coupons issued over a global computer network; providing an on-line interactive database containing commercial business information regarding consumers, namely, commercial financial transaction data, consumer data and customer data; processing of customer discounts and rewards via wireless proximity payment devices and magnetically encoded cards