Consumer incentives are delivered by maintaining a database of consumer-customer club members and identification data. The retailing transaction is conducted by receiving a consumer-customer for a retail sales transaction at a first retail establishment. An identification input associated with said consumer-customer is received at the first retail establishment. The identification input is compared to the identification data to determine whether the identification input is associated with a consumer-customer club member. In response to a determination that an identification input which is associated with a consumer-customer club member, an incentive generating rule is applied to the retail sales transaction. In response to a determination that the identification input is not associated with a consumer-customer club member, a club membership is offered to the consumer-customer. In response to acceptance of the offer, a bank account is implemented, and associated with the accepting consumer-customer, at a banking institution the bank account is associated with an account number. A computing device is used to store in a database, associated with the banking institution, information respecting the bank account, associated with the accepting consumer-customer, at any banking institution. A banking transaction is conducted by receiving the identification input associated with the consumer-customer at the banking institution. A banking transaction request is received from the consumer-customer of the bank. The identification input is compared to the identification data to determine the consumer-customer club member with whom the identification input is associated. In response to the determination of the associated consumer-customer club member the banking transaction request is executed.