Abstract: A computer-based consumer/retailer/merchandizing system includes a consumer/purchasing module wherein all data relating to purchases made by at least one consumer of goods and services is stored in real-time irrespective as to whether purchases are made by way of brick and mortar stores or on-line purchases of goods and services. The purchase data is collected at the point of sale and transmitted to a database, which is identified by a unique code attributable to a consumer. Details relating to made purchases using the unique code can be reviewed by the consumer, these details being presented to via a web-based portal as an electronic summary of purchases. The system further permits at least one retailer or marketer to access purchase data and/or purchasing interests of the at least one consumer and permit target marketing of specific goods/services to the consumer based on the accessed information.