1. A method comprising: calculating, by a processor for managing reward points, a first set of reward points based on a consumer ID, a purchase price, a first currency to point ratio corresponding to a Stock Keeping Unit (SKU) and first criteria associated with said SKU, wherein product description data includes said purchase price and said SKU; calculating, by said processor, a second set of reward points based on said consumer ID, said purchase price, a second currency to point ratio corresponding to a universal product code (UPC) related to said SKU and second criteria associated with said UPC; combining, by said processor, said first set of reward points and said second set of reward points within a loyalty account associated with said consumer ID; deducting, by said processor, said first set of reward points from a first account associated with a first party associated with said SKU; and deducting, by said processor, said second set of reward points from a second account associated with a second party associated with said UPC.