An interactive marketing communication and transaction services platform for managing personalized customer relationships. The platform facilitates communication and transactions between consumers, retailers and manufacturers, by helping suppliers customize product/service offerings, presentations and advertising messages to reflect individual consumers' needs, while providing portals with premium advertising messages for personal interactive info/news/entertainment services. The core of the platform consists of i) a central database system with `product/retail information` and `holistic purchase-behavior specific consumer profiles`, generated by registering on-line product/retail information retrieved by consumers, as well as purchases made both on-line and in-store, using a loyalty card; ii) software applications, that create `market intelligence` on manufacturer/retailer offers, consumer purchase needs, market performance of products/retailers and impact of brand/retailer presentations and ads on consumer purchase behavior; and iii) standard performance indicators, that make it possible to benchmark individual consumer communication programs against each other.