Downloadable computer software for use in providing electronic discount coupons to mobile devices such as smartphones and personal digital assistants; downloadable computer software for use in providing textual or graphical information relating to retail store advertisements, promotions, or sales events; downloadable computer software for use in the provision and maintenance of consumer retail loyalty programs and consumer retail membership programs; downloadable computer software for use in the provision of electronic payment and payment-related services; downloadable computer software for use in providing textual or graphical information relating to retail store advertisements, promotions, or sales events based on the geographical location of the device receiving such information

Promoting the goods and services of others by providing an electronic customer retail coupon program, namely, a retail money saving program that provides customers with coupons sent via the Internet or short messaging system (SMS) where such coupons are triggered based upon the geographic location of the electronic device receiving the coupons; customer incentive award program, namely, a customer loyalty program that provides discounts and related benefits to reward customers who opt in to receive such discounts and benefits; business services in the nature of development, administration, promotion, marketing, implementation, analyzing business data, and monitoring of customer loyalty programs and customer reward programs; providing incentive award programs for customers through the distribution of prepaid stored value cards for the purpose of promoting and rewarding loyalty; development and dissemination of advertisements by electronic means, namely, over the Internet or by use of the short messaging system (SMS)