Promotion of the goods and services of others through an in-store customer loyalty program marketed to stores, manufacturers of products sold in the stores, and to customers purchasing products sold in the stores, that provides customers with a rebate on a defined product through the purchase of participating in-store products of the manufacturers; Promotion of the goods and services of others through a customer loyalty program marketed to participating merchants and to customers purchasing products sold by the merchants, that provides a rebate on a defined product through purchase of identified products of the merchants; Providing incentive award programs for customers through issuance and processing of loyalty rewards for frequent use at participating businesses; Administration of a customer loyalty program which provides discounts or a defined product based upon purchases made at participating retailers and merchants