Providing on-line facilities for real-time interaction with other computer users, on-line chat rooms and electronic bulletin boards concerning topics of interest relating to consumer incentive, loyalty, and reward programs

Providing on-line facilities for real-time interaction with other computer users, on-line chat rooms and electronic bulletin boards concerning topics of interest relating to consumer incentive, loyalty, and reward programs

Providing on-line electronic bulletin boards for transmission of messages among computer users concerning incentive and reward programs