Abstract: A system 10 is provided for a multi-tenancy, vendor customer loyalty and marketing program that determines a customer's propensity to redeem a promotion. The system includes a software adapter executed by a data processor to retrieve consumer data over a wide area network. A consumer value score database server is provided including operational software and a plurality of consumer accounts. The database server is configured to store the consumer data, the database server is further configured to manipulate the consumer data for use in proprietary process to determine a consumer value score indicative of a consumer's promotion eligibility. The database server is operable to transmit the consumer value score to a promotion platform.

Abstract: A system for an integrated multi-vendor customer loyalty and personalized marketing program and a method for its use are disclosed. The system comprises at least one database server operably connected to a plurality of external vendor servers and a plurality of devices at many disparate points of sale, whereby sales transactions are processed and communicated to the system's on-line transaction processing database, reward and eligibility determinations are made, consumers are credited immediately for various factors relating to the sales transactions by each participating vendor (i.e., merchant or CPG) involved in the transaction, and separate credit balances are maintained in vendor-specific subaccounts for that particular consumer. The method involves the creation of a single, centralized consumer account to which the system automatically allocates and applies credits to individual vendor-specific subaccounts by dividing and segregating the credits for any given sales transaction.