Abstract: A system, method, and computer program product that facilitates markets and transactions between consumers and merchants. The system includes an enrollment process for consumers and merchants, a consumer identification module, a hyper-personalized matching process, a consumer experience feed, a purchase matching module, and a reward settlement module. The invention may implement artificial intelligence and machine learning methods to identify consumers who are likely to purchase a product or respond to a promotion and to identify promotions that an individual consumer will likely respond to. The invention can then present the identified promotions to a consumer in a personalized, emotionally engaging manner. If a consumer makes a purchase associated with the promotion, the system will identify the purchase and apply the purchase to the consumer's account.