Computer operating programs and computer operating systems; Computer software and firmware for providing incentive award programs by issuance and processing of loyalty points for purchase of goods and services from companies; Computer software for accessing information directories that may be downloaded from the global computer network; Computer software and firmware for operating system programs; Downloadable cloud-based software for accessing, storing and managing electronic data and applications on computers, mobiles and peripherals; Downloadable computer software for providing incentive award programs by issuance and processing of loyalty points for purchase of goods and services from companies; Downloadable software for connecting, operating, and managing networked vendors, companies, individuals and charities in the internet of things (IoT); Downloadable software in the nature of a mobile application for providing incentive award programs by issuance and processing of loyalty points for purchase of goods and services from companies; Downloadable cloud-computing software for accessing, storing and managing electronic data and applications on computers, mobiles and peripherals; Mobile operating systems