PROVIDING INCENTIVE AND LOYALTY PROGRAMS AND MEMBERSHIP PROGRAMS, NAMELY, PROVIDING REBATES AT PARTICIPATING ESTABLISHMENTS OF OTHERS THROUGH USE OF A MEMBERSHIP CARD, AND PROVIDING PAYMENT PROGRAMS, NAMELY, ELECTRONIC PROCESSING AND TRANSMISSION OF BILL PAYMENT DATA

Computer software for use in building customer loyalty by tracking customer information, data collection and mining, data base management and accepting retail sales payments, to be used by retail stores and online retail stores