Systems and Methods to Enable Offer and Rewards Marketing, and Customer Relationship Management (CRM) Network Platform

A system for providing offers, incentives, and rewards for at least two merchants comprising:

• a web tier hosted on a cloud network, wherein the web tier is in network communication with one or more consumer applications, merchant applications, or administrative applications;
• a network services tier hosted on the cloud network and providing a backend set of services, the backend set of services operable for real-time communication with at least one financial services server, wherein the backend set of services is operable to redeem an offer for a consumer account, redeem an incentive for the consumer account, or credit a reward to the consumer account;
• wherein the remote server computer is operable to store consumer information and at least one loyalty program enrollment associated with the consumer account, and wherein the consumer information includes an account identifier;
• wherein the remote server computer is operable to communicate at least one offer, incentive, or reward based on the stored consumer information associated with the identified corresponding user account;
• wherein the remote server computer is operable to manage offers, incentives, and rewards across at least two offers, incentives, or rewards programs for the consumer account;
• wherein the remote server computer is operable to receive an indication of activation of the at least one offer, incentive, or reward;
• wherein the web tier is operable to receive a real-time purchase record with at least one corresponding consumer account number and a purchase amount, wherein the real-time purchase record further includes indication of a merchant, at least one purchased product or service, a corresponding device ID, and/or corresponding consumer contact information;
• wherein the remote server computer is operable to identify a corresponding user account by matching the corresponding consumer account number with the account identifier and/or by matching the corresponding device ID and/or the corresponding consumer contact information with the stored consumer information;
• and
• wherein the remote server computer is operable to redeem the at least one offer, incentive, or reward for the consumer account.

A method for providing offers, incentives, and rewards for at least two merchants comprising:

• storing consumer information and at least one loyalty program enrollment associated with the consumer account, and wherein the consumer information includes an account identifier;
• managing offers, incentives, and rewards across at least two offers, incentives, or rewards programs for the consumer account;
• communicating at least one offer, incentive, or reward based on the stored consumer information associated with the identified corresponding user account;
• receiving an indication of activation of the at least one offer, incentive, or reward;
• receiving a real-time purchase record with at least one corresponding consumer account number and a purchase amount, wherein the real-time purchase record further includes indication of a merchant, at least one purchased product or service, a corresponding device ID, and/or corresponding consumer contact information;
• identifying a corresponding user account by matching the corresponding consumer account number with the account identifier and/or by matching the corresponding device ID and/or the corresponding consumer contact information with the stored consumer information;
• and
• redeeming the at least one offer, incentive, or reward for the consumer account.