Abstract: A universal card having an identification code is distributed to a consumer. The consumer activates the card by accessing a website provided by an administrator. Advertisers input information into the website related to product promotions and discounts. When consumers make a purchase, both product information and card information are transmitted to the administrator. The administrator compares scanned product information and scanned card information with stored information to determine if a discount is warranted. If warranted, then discount information is transmitted to the retailer.