DESIGNING AND MANAGING CUSTOMIZABLE CUSTOMER LOYALTY PROGRAMS FOR MERCHANTS, FOR THE PURPOSE OF PROMOTING THE GOODS AND SERVICES OF SUCH MERCHANTS, WHICH ENTAIL THE USE OF TERMINALS AND ENCODABLE PRODUCTS

Computer program for card based loyalty marketing program; computer operated device for encoding computer chips for use with smart cards; and electronic reader for reading encoded information from a computer chip on a smart card.

Computer software development including smart card applications development