Promotion of goods and services through an in-store or online customer loyalty program marketed to stores, manufacturers of products sold online or in stores, and to customers purchasing products sold online and in stores, that provides customers with a reward that translates into a price reduction on a defined product through the purchase of participating online or in-store products of the manufacturers; Promotion of goods and services through a customer loyalty program marketed to participating merchants and to customers purchasing products sold by the merchants, that provides a reward that translates into a price reduction 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