Downloadable software for enabling users to access, monitor, and manage loyalty programs and rewards, coupons, discounts and gift cards; downloadable software for enabling users to participate in contests, sweepstakes, consumer polls and surveys and to test products and services of others; downloadable software for enabling users to search for and purchase goods and services of others, view video and audiovisual content, play games, participate in an on-line community, form virtual communitie...