1. A method comprising: calculating, by a computer-based system, a first set of reward points based at least on a consumer ID and a retailer identifier corresponding to a purchased item; calculating, by the computer-based system, a second set of reward points based at least on the consumer ID and a manufacturer identifier corresponding to the purchased item; and associating, by the computer-based system, the first set of reward points and the second set of reward points with a loyalty account associated with the consumer ID.