Providing incentive award programs through the issuance and processing of loyalty points and virtual currency for the purchase of various consumer goods and services; Consumer loyalty services for commercial, promotional, and/or advertising purposes, namely, administration of virtual currency awards that allow users to redeem the currency to purchase consumer products, services and gift cards of others; Arranging and conducting incentive award programs to promote online activities by users and consumers, namely, encouraging users and consumers to refer members, share content via social media channels and upload pictures