Flexible repeatable affiliated consumer business method

The present invention is directed to a flexible affiliated consumer association business method that allows consumers to enjoy enhanced buying power with a variety of merchants while at the same time enabling merchants and other groups and institutions such as employers or associations of such consumers to establish flexible repeatable loyalty programs in a cost-efficient manner. A flexible repeatable affiliated consumer method having components which allow a provider to create customizable customer loyalty programs with greater flexibility and creativity while also being modifiable in the market environment in a manner that the program provider can design or alter the program or provide multiple tailored programs as needed to attract consumers to give custom at participating merchants. The flexible repeatable affiliated consumer method can include indicia of membership that is a debit, cash or credit card linked to an automated payment system, or any other device such as a card not linked to an automated payment system, and modes and media of communication, data flow and collection and interaction with consume members via the internet or otherwise. The flexible repeatable affiliated consumer method can include components, such as different merchants or marketing materials which are provided to allow the program provider to select different marketing characteristics with different branding characteristics and participating merchants to appeal to different consumer segments. The flexible repeatable affiliated consumer method enables linked databases for efficient program administration and a powerful consumer research mechanism that can be marketed to participating merchants by a program provider.