Abstract: Embodiments of the present invention provide a mobile location-based loyalty program. The frequent-driver program (FDP) and/or frequent-driving miles is a loyalty program (or any other name that might imply this type of mobile location based loyalty program) that may be offered by many business entities, referred to as ‘MERCHANTS’ and where customers, referred to as ‘USERS’ earn the reward points as they travel (The primary modes of travel include driving, walking, running or biking) through and/or stays within a reward region established by a ‘MERCHANT’. A reward region (overlay) pertains to a geographical area or areas. When a user travels through a reward region and/or remains within a reward region, the user has the opportunity to earn points that are redeemable with the merchant. Additionally, merchants have the opportunity to reach people that pass by and stay within the merchant reward regions (locations).