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.