A purchasing system includes a master server linking to a product and service inventory database. A query and response coordination database is hosted on the master server and includes a customer profiles database, a loyalty program rules database, and a purchase rules dataset. The coordination database receives a purchase request query, extracts purchase data elements from the received purchase request query, uses purchase rules from the rules dataset, applying the extracted purchase data elements to form a purchase query, applies the purchase query to the inventory database to determine available product and service inventory that satisfy the purchase request query, available product and service inventory that satisfy the purchase request query being identified as purchase options, receives purchase options from the inventory database, determines a total rewards benefit and creates a file for sending via the network to the purchaser's computer to display the query response.