Abstract: Transaction management includes receiving a customer identifier and information for a purchase transaction via a network that interfaces with a point of purchase. The customer identifier is associated with identification information for financial accounts and offers. The transaction management also includes accessing a customer account via the customer identifier, retrieving vendor access information, and accessing customer information from a data source of a vendor. The customer information includes at least two of: an accrued rewards benefit, gift card balance, currently offered discount and rebate for a good or service, currently offered discount and rebate for the vendor, interest rate on a lender-issued account, and balance on a payment card account. The transaction management further includes applying rules to the information for the purchase transaction and the financial accounts and offers.