A commerce system is controlled by a shopping agent and a manufacturer agent. A retailer provides the manufacturer agent. An intent to buy is generated using a camera of a mobile device. The intent to buy is received with the shopping agent. The intent to buy is transmitted to the manufacturer agent. The intent to buy is read from the manufacturer agent using an application programming interface. A negotiation is performed between the shopping agent and manufacturer agent to generate a personalized offer for a specific product satisfying the intent to buy. The specific product is selected from a consideration set. The specific product is purchased at the retailer. The personalized offer is redeemed by scanning a loyalty card at a point-of-sale station of the retailer. A commission is paid to the retailer to load the personalized offer on the loyalty card.
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