System and Method for Targeted Marketing and Consumer Resource Management

An enterprise infrastructure for providing to customers universal access to loyalty programs of a plurality of merchants, wherein each customer is issued a respective unique universal transaction identifier, enterprise infrastructure comprising a processor and a memory and being configured to:

• receive requests from the customers to activate their respective universal transaction identifiers, and in response to each such request:
• allocate memory on a database storage system within the enterprise infrastructure, the allocated memory defining a personal consumer system account for the customer, and
• automatically enroll the customer in the loyalty programs of one or more merchants using the same universal transaction identifier of the customer to enroll the customer in each merchant loyalty program, and thereafter;
• receive from one of said merchants a targeted discount offer and the universal transaction identifier corresponding to each customer in a set of targeted customers who are enrolled in the loyalty program of that merchant and in response;
• store the targeted discount offer in the personal consumer system account of each customer in the set of targeted customers.

A non-transitory computer-readable medium having stored thereon instructions which, when executed by a computer, enable the computer provide to customers universal access to loyalty programs of a plurality of merchants, wherein each merchant is able to operate its own loyalty program without sharing information about transactions between the merchant and said customers, the instructions further causing the computer to:

• receive requests from said customers, each request from a customer comprising a request to activate a respective universal transaction identifier issued to the customer, and in response to each such request:
• allocate memory on the database storage system within the enterprise infrastructure, the allocated memory defining a personal consumer system account for the customer, and
• automatically enroll the customer in the loyalty programs of one or more merchants using the same universal transaction identifier of the customer to enroll the customer in each merchant loyalty program, and thereafter;
• receive from one of said merchants a targeted discount offer and the universal transaction identifier corresponding to each customer in a set of targeted customers who are enrolled in the loyalty program of that merchant and in response;
• store the targeted discount offer in the personal consumer system account of each customer in the set of targeted customers.