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Software as a service (SAAS) services featuring software for credit card rewards optimization; Software as a service (SAAS) services featuring software for providing geo-location based credit card recommendation to maximize loyalty points and rewards; Software as a service (SAAS) services featuring software for providing transaction notifications and spending tracking tools; Software as a service (SAAS) services featuring software for tracking credit card rewards, miles and points; Software as a service (SAAS) services featuring software for optimizing credit card rewards programs and loyalty programs