A seller registers with a loyalty reward program and provides access authorization for the seller's payment transaction information to a payment transfer agent, and receives HTML for displaying a reward offer to a buyer, which is presented in response to a browser accessing a selling page. Information from the selling page is captured and stored it in a database, and a portal page enables buyers to search for items offering a reward, ranking results by highest percentage reward, so items matching sellers with prior transactions with the buyer are placed higher. Periodically, the payment transfer agent is accessed to capture seller payment transaction information, to send a loyalty invitation email to the buyer. Invitation acceptance is recorded, and pending rewards are sent to the payment transfer agent for fulfillment. Repeat transactions are stimulated by sending marketing emails to the address used as an account identifier by the buyer.
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