Identifying and delivering tailored content with gift options

1. A method, comprising:

analyzing, by a computer-based system, a consumer profile to determine consumer preferences;

wherein the consumer preferences are ranked based upon spending amount, frequency of a behavior and a weighting factor;

determining, by the computer-based system, tailored content based upon at least one of a consumer request, obtained content, the consumer profile, a consumer pattern, the consumer preferences, or content metadata;

embedding, by the computer-based system, at least one of a hyperlink or a uniform resource locator (URL) for each of tailored options of tailored content, the at least one of hyperlink or URL configured to cause retrieval, by a browser, of a website associated with the respective tailored option,

communicating, by the computer-based system, the tailored options associated with merchants to the consumer,

receiving, by the computer-based system, a selection from the tailored options;

offering, by the computer-based system, gift options associated with an event related to the selection; and

receiving, by the computer-based system, a payment request to pay for one or more of the gift options.

2. The method of claim 1 , further comprising performing, by the computer-based system and in response to a request for the tailored content, a custom service dialog to obtain information related to the custom request.

3. The method of claim 2 , wherein the custom service dialog is via at least one of an SMS message over an SMS communication channel, an application based service dialog over a web client or a magazine based service dialog.

4. The method of claim 3 , wherein the custom service dialog includes providing custom questions focused on obtaining more information about the custom request.

5. The method of claim 1 , wherein the consumer preferences include subpreferences having additional features associated with the consumer preferences.

6. The method of claim 1 , further comprising receiving, by the computer-based system, payment in association with a selection of one of the plurality of tailored options.

7. The method of claim 1 , further comprising ranking, by the computer-based system, the consumer preferences, wherein the tailored options are further determined based on the consumer preferences that are higher ranked.

8. The method of claim 1 , wherein the consumer profile is created using transaction data, merchant data, consumer data and website data.

9. The method of claim 1 , further comprising updating, by the computer based system, a consumer profile based upon the selection of one of the plurality of tailored options.

10. The method of claim 1 , further comprising facilitating the payment request by transmitting a payment option to the web client, wherein the payment option includes a selectable interface button, wherein selection of the payment option causes a transaction request to be sent from the computer based system to the merchant system.

11. The method of claim 1 , wherein the magazine based service dialog includes a service dialog completed via an electronically customizable magazine displayed by the web client.

12. The method of claim 1 , wherein the weighting factor is impacted by a selection by the consumer of the tailored content.

13. The method of claim 1 , wherein the weighting factor is impacted by a transaction history associated with the consumer and a browsing history associated with the consumer, wherein the transaction history is obtained from the transaction processing system.

14. The method of claim 1 , further comprising receiving, by the computer based system, global positioning system (GPS) data from the web client associated with the consumer, wherein the tailored content is further based on the GPS data.

15. The method of claim 1 , further comprising setting, by the computer-based system, a reminder associated with an occurrence of the selection.

16. The method of claim 1 , further comprising receiving, by the computer-based system, a request for the tailored content.

17. The method of claim 1 , wherein the consumer preferences are further ranked based upon highest percentage.

18. The method of claim 1 , further comprising completing, by the computer-based system, a payment transaction related to the payment request.

19. An article of manufacture including a non-transitory, tangible computer readable storage medium having instructions stored thereon that, in response to execution by a computer-based system, cause the computer-based system to perform operations comprising:

analyzing, by the computer-based system, a consumer profile to determine consumer preferences;

wherein the consumer preferences are ranked based upon spending amount, frequency of a behavior and a weighting factor;

determining, by the computer-based system, tailored content based upon at least one of a consumer request, obtained content, the consumer profile, a consumer pattern, the consumer preferences, or content metadata;

embedding, by the computer-based system, at least one of a hyperlink or a uniform resource locator (URL) for each of tailored options of tailored content, the at least one of hyperlink or URL configured to cause retrieval, by a browser, of a website associated with the respective tailored option,

communicating, by the computer-based system, the tailored options associated with merchants to the consumer,

receiving, by the computer-based system, a selection from the tailored options;

offering, by the computer-based system, gift options associated with an event related to the selection; and

receiving, by the computer-based system, a payment request to pay for one or more of the gift options.

20. A system comprising:

a processor,

a tangible, non-transitory memory configured to communicate with the processor,

the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising:

analyzing, by the processor, a consumer profile to determine consumer preferences;

wherein the consumer preferences are ranked based upon spending amount, frequency of a behavior and a weighting factor;

determining, by the processor, tailored content based upon at least one of a consumer request, obtained content, the consumer profile, a consumer pattern, the consumer preferences, or content metadata;

embedding, by the processor, at least one of a hyperlink or a uniform resource locator (URL) for each of tailored options of tailored content, the at least one of hyperlink or URL configured to cause retrieval, by a browser, of a website associated with the respective tailored option,

communicating, by the processor, the tailored options associated with merchants to the consumer,

receiving, by the processor, a selection from the tailored options;

offering, by the processor, gift options associated with an event related to the selection; and

receiving, by the processor, a payment request to pay for one or more of the gift options.