Smartphone Application or App Administration of a consumer loyalty program to promote restaurant services and retail services of others Consumer loyalty services for commercial promotional and or advertising purposes, namely, administration of loyalty program of one or more businesses that allows new and or existing customers to redeem incentives on points earned through prior transactional activity with the business administration of a business specific customer loyalty program to promote the business of others by providing incentives to new and or existing customers to utilize the services of the business using transaction records such as receipts