System and methods for servicing electronic transactions

A transaction service provider, comprising:

• a computer server, having a processor, a data storage medium, and a network port;
• the computer server configured to comprise:
• a) a client data consolidation expert system, the client data consolidation expert system configured:
• to accept input of transaction records from a plurality of payment gateways, where the transaction records originate in point of sale terminals that are not associated with the transaction service provider and are for a plurality of accounts for a plurality of clients;
• to accept input of transactional records from electronic transaction devices associated with the clients;
• to accept direct input of personal information from the clients;
• and to provide consolidated client information;
• b) a vendor data consolidation expert system, the vendor data consolidation expert system configured:
• to accept input of profile information, product and services information, and marketing and advertising information from a plurality of vendors;
• and to provide consolidated vendor information;
• c) a knowledge based system configured:
• to accept the consolidated client information from the client data consolidation expert system and the consolidated vendor information from the vendor data consolidation expert system;
• to provide vendor information to the clients based at least in part on the transactional information of the client;
• and to provide consolidated, anonymous information to the vendors based on transactional information corresponding to a plurality of clients.