Promoting the goods and services of others by means of a loyalty program, a discount program, a promotional program and an incentive awards program, whereby points are earned or awarded for purchases made by members which can then be redeemed for discounts on fuel and groceries; Provision, organization and administration of loyalty, discount, promotional and incentive award programs, namely, managing and tracking the transfer and redemption of points that are earned or awarded for purchases made by members; providing incentive awards program through issuance and processing of points of value to customers