Reward exchange method and system implementing data collection and analysis

• US 8,965,784 B2
• Filed: 03/30/2011
• Issued: 02/24/2015
• Est. Priority Date: 01/14/2009
• Status: Active Grant

• Current Assignee: Signature Systems LLC
• Original Assignee: Signature Systems LLC
• Inventors: Postrel, Richard
• Primary Examiner(s): VANDERHORST, MARIA VICTORIA
• Application Number:
  US13/076,216
• Publication Number:
  US 20110251882A1
• Time in Patent Office: 1,427 Days
• Field of Search: None
• US Class Current: 705/14.25
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G06Q 30/0224 based on user history
• CPC Class Codes: G06Q 30/0233 Method of redeeming a frequent usage reward
• CPC Class Codes: G06Q 30/0236 Incentive or reward received by requiring registration or ID from user

Abstract

A method of operating a data collection and analysis system. An exchange computer receives customer identification data associated with a customer. A quantitative analysis algorithm determines whether the exchange computer has received an amount of customer identification data sufficient for the customer to be uniquely identified, and if so, then a linking service computer or a plurality of remote database computers perform a qualitative analysis algorithm with the customer identification data to determine if the customer identification data is sufficient for the customer to be uniquely identified. If the qualitative analysis algorithm passes, then customer information may be retrieved from the remote databases and collated and analyzed at the exchange computer. The customer may automatically register with reward programs using already-entered user information. A data analysis embodiment enables offers to be generated that are tailored towards specific users.

Claims

1. A method of operating a data collection and analysis system comprising:

an exchange computer receiving customer identification data associated with a customer;

the exchange computer applying a quantitative analysis algorithm with the customer identification data, the quantitative analysis algorithm determining whether the exchange computer has received an amount of customer identification data sufficient for the customer to be uniquely identified;

if the quantitative analysis algorithm passes, then

the exchange computer sending the customer identification data to a linking service computer;

the linking service computer applying a qualitative analysis algorithm with the customer identification data, the qualitative analysis algorithm determining if the customer identification data is sufficient for the customer to be uniquely identified by matching the customer identification data to a plurality of customer identification records;

if the qualitative analysis algorithm passes, then

the linking service computer accessing a customer database to retrieve from said customer database a customer record set associated with the customer identification data, the customer record set comprising a plurality of account information records, each of the account information records comprising account login data suitable for logging into an associated database;

the linking service computer sending the customer record set to the exchange computer;

the exchange computer storing the customer record set; and

the exchange computer using the account login data from each of the account information records from the customer record set to communicate with a remote database associated with the account login data and retrieve customer information from each of the remote databases.

2. The method of claim 1 wherein the exchange computer receives the customer identification data from a partner portal web site.

3. The method of claim 2 further comprising the steps of:

the partner portal web site receiving a request from a user computing device to link to an exchange web site associated with the exchange computer;

the partner portal web site enabling the user computing device and the exchange web site to connect for subsequent communications, and

the partner portal web site sending the customer identification data to the exchange web site.

4. The method of claim 1 wherein the exchange computer receives the customer identification data from a user computing device.

5. The method of claim 1 wherein the quantitative analysis algorithm comprises a weighted entry algorithm in which each piece of the customer identification data is assigned a numerical value representing a relative weight, and wherein the total value of the relative weights must exceed a predetermined threshold in order for the quantitative analysis algorithm to pass.

6. The method of claim 1 wherein the quantitative analysis algorithm comprises a minimum number of entries algorithm in which a predetermined minimum number of pieces of customer identification data must be present in order for the quantitative analysis algorithm to pass.

7. The method of claim 1 wherein the quantitative analysis algorithm comprises assigning a category type to each piece of the customer identification data, and wherein there is a requirement that a predetermined minimum number of categories is satisfied by the customer identification data.

8. The method of claim 1 wherein if the quantitative analysis algorithm fails, then

the exchange computer sending a request to a user computing device for additional customer identification data and re-applying the quantitative analysis algorithm with the customer identification data and the additional customer identification data until the quantitative analysis algorithm passes.

9. The method of claim 1 wherein a predetermined minimum number of pieces of the customer identification data must match a single customer identification record in order for the qualitative analysis algorithm to pass.

10. The method of claim 1 wherein if the qualitative analysis algorithm fails, then

the linking service computer sending a request to the exchange computer for additional customer identification data;

the exchange computer obtaining additional customer identification data from a user computing device and sending the additional customer data to the linking service computer; and

the linking service computer re-applying the qualitative analysis algorithm with the customer identification data and the additional customer identification data until the qualitative analysis algorithm passes.

11. The method of claim 1 wherein the customer record sent from the linking service computer to the exchange computer further comprises a customer key that uniquely identifies the customer record set in the customer database.

12. The method of claim 11 wherein the exchange computer retrieves the customer key from storage and sends the customer key to the linking service computer for periodic updating of the customer record set by the customer linking service.

13. The method of claim 1 further comprising the steps of:

collating the retrieved customer information into an account web page, and

sending the account web page to a user computing device for display by the user computing device.

14. The method of claim 13 wherein

at least one of the remote databases is a reward account database operated by an associated reward issuing entity and comprising a plurality of customer reward accounts, wherein

at least one of the plurality of customer reward accounts is associated with the customer identified by the customer identification data, and wherein

the retrieved customer information comprises reward account information for the customer comprising reward points previously accumulated by the customer, and wherein

the account web page comprises a listing of a plurality of customer reward accounts accessed by the exchange computer for the customer and the number of reward points stored in the associated reward account for the customer.

15. The method of claim 14 wherein the exchange computer receives the customer identification data from a partner portal web site, wherein the partner portal web site is associated with a reward issuing entity that is a member of a predefined cluster of reward issuing entities;

and wherein the account web page indicates which of the plurality of customer reward accounts accessed by the exchange computer for the customer are associated with a reward issuing entity that is a member of the cluster.

16. The method of claim 15 wherein the account web page further comprises a listing of reward issuing entities with which the customer does not have an associated reward account and that are members of the cluster.

17. The method of claim 16 further comprising the step of providing on the account web page an offer for the customer to register with at least one of the reward issuing entities with which the customer does not have an associated reward account and that are members of the cluster.

18. The method of claim 17 further comprising the step of receiving from the user computing device an instruction to register the customer with a designated at least one of the reward issuing entities with which the customer does not have an associated reward account and that are members of the cluster.

19. The method of claim 18 further comprising the step of the exchange computer sending a registration request on behalf of the customer to the reward account database associated with the designated reward issuing entity.

20. The method of claim 1 further comprising the step of performing a promotional analysis of the customer information retrieved from each of the remote databases, the promotional analysis for generating a plurality of offers to be made to the customer for items available via the exchange computer.

21. The method of claim 20 wherein the step of performing a promotional analysis of the customer information retrieved from each of the remote databases comprises accessing a local customer profile database to retrieve customer profile data to be used in the promotional analysis.

22. The method of claim 21 further comprising receiving user data from a user computing device;

and wherein the step of performing a promotional analysis of the customer information retrieved from each of the remote databases further comprises analyzing the user data received from the user computing device with the customer profile data and the retrieved customer information.

23. The method of claim 22 wherein the user data received from the user computing device comprises web browsing data identifying web sites that have been loaded onto the user computing device.

24. The method of claim 23 wherein the user data received from the user computing device comprises web purchasing history data identifying items that have been purchased via the web on the user computing device.

25. The method of claim 24 wherein the user data received from the user computing device comprises location data identifying the location of the user computing device.

26. The method of claim 25 wherein the promotional analysis is based at least partially on the location data received from the user device.

27. The method of claim 26 wherein the promotional analysis is associated at least partially on at least one merchant in proximity to the user computing device.

28. The method of claim 27 wherein the promotional analysis results in an offer to the customer for an item from the at least one merchant in proximity to the user computer device that is determined by promotional analysis to be desired by the customer.

29. A method of operating a data collection and analysis system comprising:

an exchange computer receiving customer identification data associated with a customer;

the exchange computer applying a quantitative analysis algorithm with the customer identification data, the quantitative analysis algorithm determining whether the exchange computer has received an amount of customer identification data sufficient for the customer to be uniquely identified;

if the quantitative analysis algorithm passes, then

the exchange computer sending the customer identification data to a remote database computer;

the remote database computer applying a qualitative analysis algorithm with the customer identification data, the qualitative analysis algorithm determining if the customer identification data is sufficient for the customer to be uniquely identified by matching the customer identification data to a plurality of customer identification records;

if the qualitative analysis algorithm passes, then

the remote database computer accessing a customer database to retrieve from said customer database customer information associated with the customer identification data;

the remote database computer sending the retrieved customer information to the exchange computer; and

the exchange computer storing the retrieved customer information.

30. The method of claim 29 wherein the exchange computer receives the customer identification data from a partner portal web site.

31. The method of claim 30 further comprising the steps of:

the partner portal web site receiving a request from a user computing device to link to an exchange web site associated with the exchange computer;

the partner portal web site enabling the user computing device and the exchange web site to connect for subsequent communications, and

the partner portal web site sending the customer identification data to the exchange web site.

32. The method of claim 29 wherein the exchange computer receives the customer identification data from a user computing device.

33. The method of claim 29 wherein the quantitative analysis algorithm comprises a weighted entry algorithm in which each piece of the customer identification data is assigned a numerical value representing a relative weight, and wherein the total value of the relative weights must exceed a predetermined threshold in order for the quantitative analysis algorithm to pass.

34. The method of claim 29 wherein the quantitative analysis algorithm comprises a minimum number of entries algorithm in which a predetermined minimum number of pieces of customer identification data must be present in order for the quantitative analysis algorithm to pass.

35. The method of claim 29 wherein the quantitative analysis algorithm comprises assigning a category type to each piece of the customer identification data, and wherein there is a requirement that a predetermined minimum number of categories is satisfied by the customer identification data.

36. The method of claim 29 wherein if the quantitative analysis algorithm fails, then

the exchange computer sending a request to a user computing device for additional customer identification data and re-applying the quantitative analysis algorithm with the customer identification data and the additional customer identification data until the quantitative analysis algorithm passes.

37. The method of claim 29 wherein a predetermined minimum number of pieces of the customer identification data must match a single customer identification record in order for the qualitative analysis algorithm to pass.

38. The method of claim 29 wherein if the qualitative analysis algorithm fails, then

the remote database computer sending a request to the exchange computer for additional customer identification data;

the exchange computer obtaining addition additional customer identification data from a user computing device and sending the additional customer data to the remote database computer; and

the remote database computer re-applying the qualitative analysis algorithm with the customer identification data and the additional customer identification data until the qualitative analysis algorithm passes.

39. The method of claim 29 further comprising the steps of:

collating the customer information retrieved from a plurality of remote database computers into an account web page, and

sending the account web page to a user computing device for display by the user computing device.

40. The method of claim 39 wherein

at least one of the remote databases is a reward account database operated by an associated reward issuing entity and comprising a plurality of customer reward accounts, wherein

at least one of the plurality of customer reward accounts is associated with the customer identified by the customer identification data, and wherein

the retrieved customer information comprises reward account information for the customer comprising reward points previously accumulated by the customer, and wherein

the account web page comprises a listing of a plurality of customer reward accounts accessed by the exchange computer for the customer and the number of reward points stored in the associated reward account for the customer.

41. The method of claim 40 wherein the exchange computer receives the customer identification data from a partner portal web site, wherein the partner portal web site is associated with a reward issuing entity that is a member of a predefined cluster of reward issuing entities;

and wherein the account web page indicates which of the plurality of customer reward accounts accessed by the exchange computer for the customer are associated with a reward issuing entity that is a member of the cluster.

42. The method of claim 41 wherein the account web page further comprises a listing of reward issuing entities with which the customer does not have an associated reward account and that are members of the cluster.

43. The method of claim 42 further comprising the step of providing on the account web page an offer for the customer to register with at least one of the reward issuing entities with which the customer does not have an associated reward account and that are members of the cluster.

44. The method of claim 43 further comprising the step of receiving from the user computing device an instruction to register the customer with a designated at least one of the reward issuing entities with which the customer does not have an associated reward account and that are members of the cluster.

45. The method of claim 44 further comprising the step of the exchange computer sending a registration request on behalf of the customer to the reward account database associated with the designated reward issuing entity.

46. The method of claim 29 further comprising the step of performing a promotional analysis of the customer information retrieved from each of the remote databases, the promotional analysis for generating a plurality of offers to be made to the customer for items available via the exchange computer.

47. The method of claim 46 wherein the step of performing a promotional analysis of the customer information retrieved from each of the remote databases comprises accessing a local customer profile database to retrieve customer profile data to be used in the promotional analysis.

48. The method of claim 47 further comprising receiving user data from a user computing device;

and wherein the step of performing a promotional analysis of the customer information retrieved from each of the remote databases further comprises analyzing the user data received from the user computing device with the customer profile data and the retrieved customer information.

49. The method of claim 48 wherein the user data received from the user computing device comprises web browsing data identifying web sites that have been loaded onto the user computing device.

50. The method of claim 49 wherein the user data received from the user computing device comprises web purchasing history data identifying items that have been purchased via the web on the user computing device.

51. The method of claim 50 wherein the user data received from the user computing device comprises location data identifying the location of the user computing device.

52. The method of claim 51 wherein the promotional analysis is based at least partially on the location data received from the user device.

53. The method of claim 52 wherein the promotional analysis is associated at least partially on at least one merchant in proximity to the user computing device.

54. The method of claim 53 wherein the promotional analysis results in an offer to the customer for an item from the at least one merchant in proximity to the user computer device that is determined by promotional analysis to be desired by the customer.

55. A data collection and analysis system comprising:

an exchange computer interconnected with a linking service computer and a plurality of remote databases via a computer network,

the exchange computer programmed to;

receive customer identification data associated with a customer;

apply a quantitative analysis algorithm with the customer identification data, the quantitative analysis algorithm determining whether the exchange computer has received an amount of customer identification data sufficient for the customer to be uniquely identified;

if the quantitative analysis algorithm passes, then send the customer identification data to the linking service computer;

the linking service computer is programmed to;

apply a qualitative analysis algorithm with the customer identification data, the qualitative analysis algorithm determining if the customer identification data is sufficient for the customer to be uniquely identified by matching the customer identification data to a plurality of customer identification records;

if the qualitative analysis algorithm passes, then access a customer database to retrieve from said customer database a customer record set associated with the customer identification data, the customer record set comprising a plurality of account information records, each of the account information records comprising account login data suitable for logging into an associated remote database; and

send the customer record set to the exchange computer; and

the exchange computer is further programmed to store the customer record set and use the account login data from each of the account information records from the customer record set to communicate with a remote database associated with the account login data and retrieve customer information from each of the remote databases.

56. The system of claim 55 further comprising a partner computer interconnected to the exchange computer via the network, wherein the exchange computer is programmed to receive the customer identification data from a partner portal web site executing on the partner portal computer.

57. The system of claim 56 further comprising a user computing device interconnected to the partner portal computer via the network, wherein the partner portal computer web site is programmed to:

receive a request from the user computing device to link to an exchange web site associated with the exchange computer;

enable the user computing device and the exchange web site to connect for subsequent communications, and

send the customer identification data to the exchange web site.

58. The system of claim 55 further comprising a user computing device interconnected to the exchange computer via the network, and wherein the exchange computer is programmed to receive the customer identification data from the user computing device.

59. The system of claim 55 wherein the quantitative analysis algorithm comprises a weighted entry algorithm in which each piece of the customer identification data is assigned a numerical value representing a relative weight, and wherein the total value of the relative weights must exceed a predetermined threshold in order for the quantitative analysis algorithm to pass.

60. The system of claim 55 wherein the quantitative analysis algorithm comprises a minimum number of entries algorithm in which a predetermined minimum number of pieces of customer identification data must be present in order for the quantitative analysis algorithm to pass.

61. The system of claim 55 wherein the quantitative analysis algorithm comprises assigning a category type to each piece of the customer identification data, and wherein there is a requirement that a predetermined minimum number of categories is satisfied by the customer identification data.

62. The system of claim 55 wherein the exchange computer is further programmed, if the quantitative analysis algorithm fails, to:

send a request to a user computing device for additional customer identification data and re-apply the quantitative analysis algorithm with the customer identification data and the additional customer identification data until the quantitative analysis algorithm passes.

63. The system of claim 55 wherein a predetermined minimum number of pieces of the customer identification data must match a single customer identification record in order for the qualitative analysis algorithm to pass.

64. The system of claim 55 wherein the linking service computer is further programmed, if the qualitative analysis algorithm fails, to:

send a request to the exchange computer for additional customer identification data; and

the exchange computer is further programmed to obtain additional customer identification data from a user computing device and send the additional customer data to the linking service computer; and

the linking service computer is further programmed to re-apply the qualitative analysis algorithm with the customer identification data and the additional customer identification data until the qualitative analysis algorithm passes.

65. The system of claim 55 wherein the customer record sent from the linking service computer to the exchange computer further comprises a customer key that uniquely identifies the customer record set in the customer database.

66. The system of claim 65 wherein the exchange computer is further programmed to retrieve the customer key from storage and send the customer key to the linking service computer for periodic updating of the customer record set by the customer linking service.

67. The system of claim 55 wherein the exchange computer is further programmed to:

collate the retrieved customer information into an account web page, and

send the account web page to a user computing device for display by the user computing device.

68. The system of claim 67 wherein

at least one of the remote databases is a reward account database operated by an associated reward issuing entity and comprising a plurality of customer reward accounts, wherein

at least one of the plurality of customer reward accounts is associated with the customer identified by the customer identification data, and wherein

the retrieved customer information comprises reward account information for the customer comprising reward points previously accumulated by the customer, and wherein

the account web page comprises a listing of a plurality of customer reward accounts accessed by the exchange computer for the customer and the number of reward points stored in the associated reward account for the customer.

69. The system of claim 68 wherein the exchange computer is further programmed to receive the customer identification data from a partner portal web site, wherein the partner portal web site is associated with a reward issuing entity that is a member of a predefined cluster of reward issuing entities;

and wherein the account web page indicates which of the plurality of customer reward accounts accessed by the exchange computer for the customer are associated with a reward issuing entity that is a member of the cluster.

70. The system of claim 69 wherein the account web page further comprises a listing of reward issuing entities with which the customer does not have an associated reward account and that are members of the cluster.

71. The system of claim 70 wherein the exchange computer is further programmed to provide on the account web page an offer for the customer to register with at least one of the reward issuing entities with which the customer does not have an associated reward account and that are members of the cluster.

72. The system of claim 71 wherein the exchange computer is further programmed to receive from the user computing device an instruction to register the customer with a designated at least one of the reward issuing entities with which the customer does not have an associated reward account and that are members of the cluster.

73. The system of claim 72 wherein the exchange computer is further programmed to send a registration request on behalf of the customer to the reward account database associated with the designated reward issuing entity.

74. The system of claim 55 wherein the exchange computer is further programmed to perform a promotional analysis of the customer information retrieved from each of the remote databases, the promotional analysis for generating a plurality of offers to be made to the customer for items available via the exchange computer.

75. The system of claim 74 wherein the exchange computer is further programmed to perform a promotional analysis of the customer information retrieved from each of the remote databases by accessing a local customer profile database to retrieve customer profile data to be used in the promotional analysis.

76. The system of claim 75 wherein the exchange computer is further programmed to receive user data from a user computing device;

and wherein the exchange computer is further programmed to perform a promotional analysis of the customer information retrieved from each of the remote databases further by analyzing the user data received from the user computing device with the customer profile data and the retrieved customer information.

77. The system of claim 74 wherein the user data received from the user computing device comprises web browsing data identifying web sites that have been loaded onto the user computing device.

78. The system of claim 77 wherein the user data received from the user computing device comprises web purchasing history data identifying items that have been purchased via the web on the user computing device.

79. The system of claim 78 wherein the user data received from the user computing device comprises location data identifying the location of the user computing device.

80. The system of claim 79 wherein the promotional analysis is based at least partially on the location data received from the user device.

81. The system of claim 80 wherein the promotional analysis is associated at least partially on at least one merchant in proximity to the user computing device.

82. The system of claim 69 wherein the promotional analysis results in an offer to the customer for an item from the at least one merchant in proximity to the user computer device that is determined by promotional analysis to be desired by the customer.

83. A data collection and analysis system comprising:

an exchange computer interconnected with a plurality of remote database computers via a computer network,

the exchange computer programmed to;

receive customer identification data associated with a customer;

apply a quantitative analysis algorithm with the customer identification data, the quantitative analysis algorithm determining whether the exchange computer has received an amount of customer identification data sufficient for the customer to be uniquely identified;

if the quantitative analysis algorithm passes, then send the customer identification data to at least one of the plurality of remote database computers;

each of the remote database computers is programmed to;

apply a qualitative analysis algorithm with the customer identification data, the qualitative analysis algorithm determining if the customer identification data is sufficient for the customer to be uniquely identified by matching the customer identification data to a plurality of customer identification records;

if the qualitative analysis algorithm passes, then access a customer database to retrieve from said customer database customer information associated with the customer identification data, and send the retrieved customer information to the exchange computer; and

the exchange computer is further programmed to store the retrieved customer information.

84. The system of claim 83 further comprising a partner computer interconnected to the exchange computer via the network, wherein the exchange computer is programmed to receive the customer identification data from a partner portal web site executing on the partner portal computer.

85. The system of claim 84 further comprising a user computing device interconnected to the partner portal computer via the network, wherein the partner portal computer web site is programmed to:

receive a request from the user computing device to link to an exchange web site associated with the exchange computer;

enable the user computing device and the exchange web site to connect for subsequent communications, and

send the customer identification data to the exchange web site.

86. The system of claim 83 further comprising a user computing device interconnected to the exchange computer via the network, and wherein the exchange computer is programmed to receive the customer identification data from the user computing device.

87. The system of claim 83 wherein the quantitative analysis algorithm comprises a weighted entry algorithm in which each piece of the customer identification data is assigned a numerical value representing a relative weight, and wherein the total value of the relative weights must exceed a predetermined threshold in order for the quantitative analysis algorithm to pass.

88. The system of claim 83 wherein the quantitative analysis algorithm comprises a minimum number of entries algorithm in which a predetermined minimum number of pieces of customer identification data must be present in order for the quantitative analysis algorithm to pass.

89. The system of claim 83 wherein the quantitative analysis algorithm comprises assigning a category type to each piece of the customer identification data, and wherein there is a requirement that a predetermined minimum number of categories is satisfied by the customer identification data.

90. The system of claim 83 wherein the exchange computer is further programmed, if the quantitative analysis algorithm fails, to:

send a request to a user computing device for additional customer identification data and re-apply the quantitative analysis algorithm with the customer identification data and the additional customer identification data until the quantitative analysis algorithm passes.

91. The system of claim 83 wherein a predetermined minimum number of pieces of the customer identification data must match a single customer identification record in order for the qualitative analysis algorithm to pass.

92. The system of claim 83 wherein each of the remote database computers is further programmed, if the qualitative analysis algorithm fails, to:

send a request to the exchange computer for additional customer identification data;

the exchange computer is further programmed to obtaining additional customer identification data from a user computing device and send the additional customer data to the remote database computer; and

the remote database computer is further programmed to re-apply the qualitative analysis algorithm with the customer identification data and the additional customer identification data until the qualitative analysis algorithm passes.

93. The system of claim 83 wherein the exchange computer is further programmed to:

collate the retrieved customer information into an account web page, and

send the account web page to a user computing device for display by the user computing device.

94. The system of claim 93 wherein

at least one of the remote databases is a reward account database operated by an associated reward issuing entity and comprising a plurality of customer reward accounts, wherein

at least one of the plurality of customer reward accounts is associated with the customer identified by the customer identification data, and wherein

the retrieved customer information comprises reward account information for the customer comprising reward points previously accumulated by the customer, and wherein

the account web page comprises a listing of a plurality of customer reward accounts accessed by the exchange computer for the customer and the number of reward points stored in the associated reward account for the customer.

95. The system of claim 94 wherein the exchange computer is further programmed to receive the customer identification data from a partner portal web site, wherein the partner portal web site is associated with a reward issuing entity that is a member of a predefined cluster of reward issuing entities;

and wherein the account web page indicates which of the plurality of customer reward accounts accessed by the exchange computer for the customer are associated with a reward issuing entity that is a member of the cluster.

96. The system of claim 95 wherein the account web page further comprises a listing of reward issuing entities with which the customer does not have an associated reward account and that are members of the cluster.

97. The system of claim 96 wherein the exchange computer is further programmed to provide on the account web page an offer for the customer to register with at least one of the reward issuing entities with which the customer does not have an associated reward account and that are members of the cluster.

98. The system of claim 97 wherein the exchange computer is further programmed to receive from the user computing device an instruction to register the customer with a designated at least one of the reward issuing entities with which the customer does not have an associated reward account and that are members of the cluster.

99. The system of claim 98 wherein the exchange computer is further programmed to send a registration request on behalf of the customer to the reward account database associated with the designated reward issuing entity.

100. The system of claim 83 wherein the exchange computer is further programmed to perform a promotional analysis of the customer information retrieved from each of the remote databases, the promotional analysis for generating a plurality of offers to be made to the customer for items available via the exchange computer.

101. The system of claim 100 wherein the exchange computer is further programmed to perform a promotional analysis of the customer information retrieved from each of the remote databases comprises accessing a local customer profile database to retrieve customer profile data to be used in the promotional analysis.

102. The system of claim 101 wherein the exchange computer is further programmed to receive user data from a user computing device and perform a promotional analysis of the customer information retrieved from each of the remote databases by analyzing the user data received from the user computing device with the customer profile data and the retrieved customer information.

103. The system of claim 102 wherein the user data received from the user computing device comprises web browsing data identifying web sites that have been loaded onto the user computing device.

104. The system of claim 103 wherein the user data received from the user computing device comprises web purchasing history data identifying items that have been purchased via the web on the user computing device.

105. The system of claim 104 wherein the user data received from the user computing device comprises location data identifying the location of the user computing device.

106. The system of claim 105 wherein the promotional analysis is based at least partially on the location data received from the user device.

107. The system of claim 106 wherein the promotional analysis is associated at least partially on at least one merchant in proximity to the user computing device.

108. The system of claim 107 wherein the promotional analysis results in an offer to the customer for an item from the at least one merchant in proximity to the user computer device that is determined by promotional analysis to be desired by the customer.