Abstract: A system and method for associating consumers with their purchases so that consumer transactions can be tied back to a particular consumer is described. More particularly, a central transaction entity as part of a larger network collects, aggregates, manages and mines consumer transaction data from at least consumer and merchant members of the network for the purpose of routing electronic purchase history to consumers and allowing merchant analysis of consumer behavior in order to create consumer profiles to better service consumers and provide more personalized offers.

Abstract: A system and method for rewarding educational accomplishment is disclosed. In one embodiment, a method includes providing rewards to a user, such as a child, for achievement of one or more goals within an educational activity. The rewards are preferably credit in a form that is widely accepted by merchants and other entities for items, such as goods and services, that they offer. Preferably, information associating the user and items the user purchases with the credit is used to create a purchase history file for each user.