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Consumer membership services, namely, administration of a discount program enabling participants to obtain discounts and savings on goods and services, in the fields of, health and beauty, dining, automotive, leisure and recreation, and other merchandise and services, and providing in connection therewith an on-line directory of information about the program and participating businesses; providing discount coupons for purchase of the foregoing; providing all of the foregoing services electronically by means of the Internet; providing on-line incentive cash back rewards program to debit and credit cardholders to promote the purchase of retail products by means of credit or debit cards