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Data processing in the field of banking, computerized database management in the field of banking; financial records management; promoting the goods and services of others by means of discounts, advertisements, electronic offers, incentives in the nature of rebates, reward points and value added offers and promotional contests generated in connection with the use of payment cards; promoting payment card usage through promotional incentives available through program registration and electronic communications by e-mail or text messages; providing consumer information services in the field of retail store and other locations of interest; business information services in the field of data analytics, namely, data selection, data arrangement, data processing, data presentation, data cleansing and data distribution in the fields of marketing demographics and consumer purchasing behaviors relating to banking and financial services