9 Downloadable software for use in collecting and using loyalty reward points, for use in displaying, sharing, referring, locating, finding a user, and interacting with other users and places, providing consumer information, namely, referrals, ratings, review and recommendations relating to businesses, service providers, nonprofit organizations and educational institutions, and for use in communications, instant messaging, file sharing, and electronically exchanging data, audio, video and graphics via computer, mobile, wireless and communication networks; Downloadable mobile applications for use in collecting and using loyalty reward points, for use in displaying, sharing, referring, locating, finding a user, and interacting with other users and places, providing consumer information, namely, referrals, ratings, review and recommendations relating to businesses, service providers, nonprofit organizations and educational institutions, and for use in communications, instant messaging, file sharing, and electronically exchanging data, audio, video and graphics via computer, mobile, wireless and communication networks