1. A method comprising: receiving a consumer ID and a retailer ID; receiving product description data which includes a purchase price, and a Stock Keeping Unit (SKU); calculating, using a processor, a first set of reward points based on said consumer ID, said purchase price, a first currency to point ratio corresponding to said SKU and first criteria associated with said SKU; calculating, using 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, within a database, said first set of reward points and said second set of reward points within a loyalty account associated with said consumer ID. deducting, in said database, said first set of reward points from a first account associated with a first party associated with said SKU; and, deducting, in said database, said second set of reward points from a second account associated with a second party associated with said UPC.