Software as a service (SAAS) services featuring software for enabling others to issue, track, and redeem rewards; Application service provider featuring application programming interface (API) software for enabling others to issue, track, and redeem rewards; Platform as a service (PAAS) featuring computer software platforms for enabling others to issue, track, and redeem rewards; Software as a service (SAAS) services featuring software for connecting rewards, incentives, or loyalty value directly to user accounts, applications, digital wallets, or payment experiences; Application service provider featuring application programming interface (API) software for connecting rewards, incentives, or loyalty value directly to user accounts, applications, digital wallets, or payment experiences; Platform as a service (PAAS) featuring computer software platforms for connecting rewards, incentives, or loyalty value directly to user accounts, applications, digital wallets, or payment experiences; Software as a service (SAAS) services featuring software for issuing, tracking, and redeeming rewards responsive to user activity via integration with mobile applications, websites and e-commerce systems; Platform as a service (PAAS) featuring computer software platforms for issuing, tracking, and redeeming rewards responsive to user activity via integration with mobile applications, websites and e-commerce systems; Application service provider featuring application programming interface (API) software for issuing, tracking, and redeeming rewards responsive to user activity via integration with mobile applications, websites and e-commerce systems