Virtual customer database

A method of delivering personalized services to a consumer operating a communication device, the method comprising:

• receiving, with a request handling module included in a server computer, a request for pull services from a communication device of a consumer, and a request for push services from a requesting participating company, the request for push services to push content to an identified consumer;
• identifying a virtual key with a service router component included in the server computer, the virtual key identified from a communication provider database based on an identifier of the communication device included in the request for pull services, and the virtual key identified from a participating company database based on a company identifier of the requesting participating company and an identifier of the identified consumer included in the request for push services;
• determining, with the service authorizer component, a pull services authorization level of the consumer based on the identifier of the communication device included in the request for pull services, and determining, with the service authorizer component, a push services authorization level of the requesting participating company based on the company identifier and the identifier of the identified consumer included in the request for push services;
• based on the determined pull services authorization level of the consumer and the virtual key, the service authorizer component querying the participating company database and determining a participating business, and an internal customer identifier of the participating business, the internal customer identifier being an identifier of the consumer associated with the virtual key;
• sending the request for pull services and the internal customer identifier of the consumer to the participating business via an interface component included in the server computer;
• based on the determined push services authorization level of the requesting participating company, the service authorizer component identifying a communication provider and a corresponding communication channel to communicate with the identified consumer;
• querying the identified communication provider with the interface component based on the virtual key to identify an address of a communication device of the identified consumer;
• and
• transmitting a response to the request for pull services with the interface component, the response transmitted to the communication device over the corresponding communication channel using the address.