9 Prepaid plastic magnetically encoded debit cards for use in incentive programs used to motivate and recognize achievement, show appreciation to employees, affiliates, resellers, consumers and vendors, or reward employees or customers; virtual debit cards, namely, downloadable electronic data files containing financial information for use with an incentive programs used to motivate and recognize achievement, show appreciation to employees, affiliates, resellers, consumers and vendors, or reward employees or customers; electronic terminals which facilitate bill payment, money transfer, prepaid card and prepaid account issuance, opening and loading, and prepaid credit card loading and top-up services for mobile telephones; interactive computer kiosks comprising computers, computer hardware, computer peripherals, and computer operating software for use in processing financial transactions, namely, consumer bill payment, money transfer, prepaid card and prepaid account issuance, opening and loading, and prepaid credit card loading and top-up services for mobile telephones