Downloadable computer software for administering a customer incentive rewards program providing perks that may be redeemed on games of chance; downloadable computer software for administering a casino players rewards program whereby customers may redeem and transfer loyalty points for cash, discounts, and other benefits and promotional items; downloadable computer software for administering a casino players rewards program; downloadable computer software for administering an incentive award program to reward program participants who engage in gaming that allows users to earn reward points through participation in such gaming, for prizes and guaranteed rewards; downloadable computer software for administering an incentive award program, allowing users to create, design, qualify, and schedule redemptions and conversions of various patron-earned loyalty program benefits such as bonus points, comp dollars, and other accumulation buckets to a different type of benefit such as food offers, items, slot free play, bonus points, cash, or electronic drawing entries; downloadable computer software for administering an incentive award program, allowing users to award prizes to program participants instantly and post adjustments or redemptions directly to the patron's account through a bi-directional interface with the operator's tracking system and a kiosk or mobile device