Abstract: A computer implemented real-time consumer reward point accumulation system in which a consumer accumulates points immediately in a centralized data storage of a host incentive award system upon coupons being redeemed at an interactive web site that is networked to the host incentive award system. The coupons are redeemed by inputting consumer identification data and a unique coupon identification number acquired off of a coupon into appropriate fields on a web page of an Internet web site, optionally facilitated by the use of an electronic scanning device that scans the data from the consumer's program identification card and/or a printed bar-code on the coupon. Upon user engagement, the Internet web site transmits the consumer identification data and the coupon number to the loyalty program host system. The loyalty program host system queries the information received and locates a consumer award account record and a coupon record.