Patent ID: 8799164
Filing Date: 2014-08-05
Classification: G06Q

Abstract:
1. A system for collecting marketing information, the system comprising: a processor for communication over a network with a user computer; and a memory in communication with the processor, the memory comprising a data structure, the data structure comprising data corresponding to a plurality of user accounts; wherein each of the plurality of user accounts comprises a user account identifier and a financial account identifier corresponding to a financial account, each financial account comprising an account balance; wherein the processor is configured to execute a program, the program being configured to perform the following steps: (1) receive a proposed electronic transaction comprising a first user account identifier associated with a first user account, a selection criteria, a message, and a maximum payment; (2) identify a second user account that meets the selection criteria; wherein the first user account and the second user account are user accounts in the plurality of user accounts, and wherein the second user account comprises a market profile, a message store, and at least one receipt payment; (3) determine whether the receipt payment exceeds the maximum payment; (4) if the receipt payment exceeds the maximum payment: reject the proposed electronic transaction; (5) if the receipt payment does not exceed the maximum payment: deliver the message to the message store associated with the second user account; and (6) store, in the data structure, information related to the transaction in the market profile associated with the second user account.