Patent ID: 8352364

Claim:
A method of collecting marketing information, the method comprising: providing a processor for communication over a network with a user computer; providing 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; receiving, in the processor, a proposed electronic transaction comprising a first user account identifier associated with a first user account, a selection criteria, and a message; identifying, in the processor, 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, and a message store; determining, in the processor, whether a predetermined condition is met; if the predetermined condition is not met: rejecting the proposed electronic transaction; if the predetermined condition is met: (1) delivering the message to the message store associated with the second user account, (2) adjusting the account balance associated with the first user account by a first amount, and (3) after receiving, in the processor, a request to access the delivered message in the message store associated with the second user account, adjusting the account balance associated with the second user account by a second amount; and storing, in the data structure, information related to the transaction in the market profile associated with the second user account.