9 Downloadable software from the Internet in the nature of a smart phone application for converting multiple loyalty card data into a single customer identifier represented by a machine-readable barcode or QR code for display on a smart phone screen; Computer application software for smart phones, namely, software for scanning digital reward cards and coupons using a smart phone, and software for converting multiple loyalty card data into a single customer identifier represented by a machine-readable barcode or QR code; Software, namely, a smart phone application for converting multiple loyalty card data into a single customer identifier represented by a machine-readable barcode or QR code; Software for scanning digital reward cards and coupons using a smart phone; Software for administering virtual gift cards for a loyalty program vendor from one person to another person, namely, software for scanning customer identifier represented by a machine-readable barcode or QR code on a smart phone screen; Computer software for marketing consulting and business information services for others, namely, computer software for developing and administering customer performance tracking, reward and incentive programs, and for use in developing and administering customer performance tracking, reward and incentive programs in electronic commerce