Downloadable mobile application for providing a loyalty program, shopping loyalty points, exclusive deals, and loyalty incentives; downloadable mobile application for incentive award programs to promote the sale of the products of others; downloadable software that enables managing budgets and special offers.

Administration of an employee loyalty program which provides points for purchase of third party goods and services; Providing incentive award programs for employees through the issuance and processing of loyalty points for purchase of third party goods and services; Providing incentive award programs for employees through the distribution of points for purchase of third party goods and services for the purpose of promoting and rewarding performance; Administering a customer loyalty program which provides shopping loyalty points, exclusive deals, social interaction, and loyalty incentives; Arranging and conducting incentive reward programs to promote the sale of consumer products; Retail services, namely, administration of a consumer loyalty program enabling participants to obtain product discounts, gift cards, and other incentives; Business services, namely, providing budget management, advertising efficacy, product purchase, and shopper data to producers of consumer products, retail stores, and restaurants to enable better advertising spend decisions.

Debit card and credit card transaction processing services; mobile and online payment processing services; payment processing services, namely, debit card and credit card transaction processing services.