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, wherein the respective universal transaction identifier is one of a plurality of universal transaction identifiers, the enterprise infrastructure comprising a processor and a memory storing executable instructions, the processor executing the executable instructions to cause the enterprise infrastructure to:

• receive requests from the customers via a virtual local area network 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 enable enrollment of the customer in at least one of the loyalty programs of the plurality of merchants using the same universal transaction identifier of the customer to enroll the customer in each merchant loyalty program;
• thereafter
• receive from one of said plurality of merchants special offers for a set of targeted customers who are enrolled in the merchant loyalty program of the one of said plurality of merchants;
• identify, subsequent to receipt of said special offers, a particular customer in the set of targeted customers to be given a targeted discount offer from the special offers based on a recent purchase made by the particular customer;
• and
• store, in response to identifying the particular customer, the targeted discount offer in the personal consumer system account of the particular customer in the set of targeted customers.

A non-transitory computer-readable medium having stored thereon instructions which, when executed by a processor, causes an enterprise infrastructure comprising the non-transitory computer readable medium and the processor to:

• receive requests from said customers via a virtual local area network, each request from a customer comprising a request to activate a respective universal transaction identifier issued to the customer, wherein the respective universal transaction identifier is one of a plurality of universal transaction identifiers, 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 enable enrollment of the customer in at least one of the loyalty programs of a plurality of merchants using the same universal transaction identifier of the customer to enroll the customer in each merchant loyalty program;
• thereafter
• receive from one of said plurality of merchants special offers for a set of targeted customers who are enrolled in the merchant loyalty program of the one of said plurality of merchants;
• identify, subsequent to receipt of said targeted discount offer, a particular customer in the set of targeted customers to be given a targeted discount offer from the special offers based on a recent purchase made by the particular customer;
• store, in response to identifying the particular customer, the targeted discount offer in the personal consumer system account of the particular customer in the set of targeted customers,
• wherein the enterprise infrastructure provides to customers universal access to loyalty programs of the plurality of merchants.