Computer software platform, mobile software platform and software application for administration of a customer loyalty and retention program which provides free goods and services or discounts for purchasing goods and services, customer purchase statistics and analytics and behavioral analytics, including manual and automated engine, rules and methods for execution of the loyalty and retention program, customer loyalty services and customer clubs services, for commercial, promotional and advertising purposes, providing incentive award programs for customers and employees through the distribution of prepaid stored value cards for the purpose of promoting and rewarding loyalty, providing incentive award programs for customers through the issuance and processing of loyalty coupons for frequent use of participating businesses, providing incentive award programs for customers through issuance and processing of loyalty points for online purchase of a company's goods and services