1. A computer-implemented method, comprising: transforming, by a host computer for creating loyalty points, a consumer identifier, a purchase price and a first currency to point ratio corresponding to a retailer item identifier, into a first set of loyalty points; transforming, by a said host computer, said consumer identifier, said purchase price and a second currency to point ratio corresponding to a manufacturer item identifier, into a second set of loyalty points; transforming, by said host computer, said consumer identifier, said purchase price and a third currency to point ratio corresponding to a Service Establishment (SE) number, into a third set of loyalty points; combining, by a said host computer, said first set of loyalty points, said second set of loyalty points, and said third set of loyalty points within a first loyalty account associated with said consumer identifier; and enabling, by said host computer, use of said first loyalty account to facilitate obtaining an item.