Abstract: Businesses purchase a finite amount of points within a digital marketing and loyalty web platform and can assign any amount of points to be delivered to its customers for any promotion or advertisement, changing them at any time. Customers or members within the platform may either choose to redeem those points back at the business for rewards that can be changed at any time and for any value by the business, or customers may elect to combine their points and redeem them for an item within the online catalog of the platform. This allows the businesses to change at will both the promotions and rewards, value of the points delivered and to be spent by the customer, as well as allowing customers to choose whether they spend their points back at the business and/or combine their points to redeem in the catalog.