Abstract: Systems and methods are described which afford greater flexibility for consumers to purchase through either on-line or traditional retail venues and receive a more direct perceived value from reward offerings. The system's network of CPGs enables sponsors and partnered e-commerce retailers to share development, database management, and other administrative costs. Cooperative database mining combined with timely, anticipated and permission-based relevant e-mail communications adds a powerful customer acquisition component to traditional database and customer loyalty programs. Member users benefit from the flexibility in the ways in which they can accumulate value in their member user accounts from entering rewards received from CPG Sponsors. Member users also have flexibility in the manner in which they spend value accumulated in their consumer accounts. In the present invention, conducting online transactions with any one of the partnered e-commerce retailers is simplified and streamlined.