Magnetically encoded credit and debit cards, magnetically encoded discount cards; magnetically encoded customer loyalty cards; Downloadable computer application software for managing customer incentive and loyalty programs, reward program information, and discount pricing programs; Downloadable mobile phone application software for managing customer incentive and loyalty programs, reward program information, and discount pricing programs; downloadable mobile applications for locating lowest gas prices and locations of gas stations; downloadable mobile applications to enable purchasing gasoline at the pump or inside gas stations; Downloadable computer software for managing cross-marketing programs; Downloadable computer software for management of back office functions, namely, inventory management and personnel management