Patent ID: 8060403

Claim:
A computing system implemented process for providing advertising to select consumers using payroll data comprising: obtaining data representing at least one advertisement eligibility criterion that a consumer must meet in order to be eligible to receive a given advertisement from an advertisement provider, the process being operable to consider each of the following advertisement eligibility criterion if associated with a given advertisement: the criterion that the eligible consumers must have a threshold number of accrued vacation hours; the criterion that the eligible consumers must have at least a threshold balance in their flex spending account; the criterion that the eligible consumers must have recently been paid a bonus; the criterion that the eligible consumers must have recently been given a pay raise; the criterion that the eligible consumers must have recently added a dependent tax exemption; the criterion that the eligible consumers must have an income within a defined range of income; the criterion that the eligible consumers must have an income greater than a threshold income; the criterion that the eligible consumers must have an income less than a cutoff income; the criterion that the eligible consumers must claim a threshold number of dependent tax exemptions; obtaining data representing the given advertisement offer from the advertisement provider; obtaining one or more consumers' payroll data, the one or more consumers' payroll data representing financial information about the one or more consumers obtained from a payroll system; analyzing one or more consumers' payroll data and the data representing the at least one advertisement eligibility criterion to identify one or more eligible consumers, of the one or more consumers, eligible to receive the given advertisement; and providing the one or more eligible consumer's access to the given advertisement.