Abstract: Embodiments of the invention are directed to a system configured to receive and record product-level and consumer-level information about a plurality of consumer transactions across a plurality of merchants in real-time or near real-time. Product marketers can then access this information for marketing purposes. In one embodiment, product marketers store conditional promotional offers on the system and the system determines, for each consumer transaction that it receives information about, whether the consumer or the transaction satisfies the conditions of one or more promotional offers stored on the system. If the conditions of a promotional offer are satisfied, the system sends the offer to the consumer and/or applies the promotion to the current transaction. In one embodiment, the system is maintained by the bank holding the consumer's account and/or issuing the consumer's credit or debit card involved in the transaction.