42 Providing temporary use of a non-downloadable computer software that enables a consumer to convert loyalty points for the purchase of a third party product; providing temporary use of a non-downloadable computer software that enables a consumer to convert loyalty points for the purchase of a third party service; providing temporary use of non-downloadable computer software that enables consumers to compare and determine best use of loyalty points, reward points, cash back offers and coupons, miles and other forms of rewards; software as a service (SAAS) featuring software to allowing users to search, identify, and redeem loyalty reward offers