In-store consumer-based personalized offer presentation system and method

A method and apparatus for presenting customized presentation offers to a consumer having a shopping device prior to the consumer's check out in a retail environment is set forth. Using a keyword-driven rule-based method, the present invention identifies certain information regarding the consumer, items selected for purchase, retail environment and the like, and processes keywords relevant to the gathered information in view of rule types and available offers to select and prioritize for presentation to the consumer offers pertinent to the consumer's interests, locations and activities while in the store. The personalized offer presentation is made available to the consumer preferably through an in-store server communicating to the shopping device used by the consumer so as to provide the consumer with in-store offers prior to the consumer completing their shopping experience at check out.