Patent ID: 8751292

Claim:
A system for providing sellers access to desirable consumers comprising: one or more processors; and one or more memories coupled to the one or more processors, the one or more memories having stored therein instructions which when executed by the one or more processors perform a process for providing sellers access to desirable consumers comprising: obtaining a first set of financial data associated with a consumer from a computing system implemented financial management system, the first set of financial data comprising historical transactions involving the consumer but not involving a given seller; analyzing the first set of financial data to determine a desirability category associated with the consumer, the desirability category indicating a degree of desirability of the consumer with respect to the given seller, based on the historical transactions, wherein the degree of desirability is higher if the consumer has spent more than a threshold amount of money in a predefined timeframe on specific products or services, further wherein the degree of desirability is higher if the consumer has spent more than a threshold amount of money in a predefined timeframe in a specific category of store, and further wherein the degree of desirability is higher if the consumer has bought products or services from a particular seller more than a threshold number of times over a defined time frame; providing the given seller access to the consumer and charging the given seller a first fee for that access, the first fee being based at least in part on the desirability category associated with the consumer; obtaining a second set of financial data associated with the consumer from a computing system implemented financial management system; analyzing the second set of financial data associated with the consumer to identify one or more financial transactions between the given seller and the consumer, resulting in identified transactions; and charging the given seller a second fee for providing the given seller access to the consumer, the second fee being based, at least in part, on the identified transactions, the system being configured to further determine at least a portion of the second fee from a tiered system wherein the second fee is a first fee amount based on the consumer doing a first threshold amount of business with the seller, and wherein, in the tiered system, the second fee is a second fee amount higher than the first fee amount, based on the consumer doing a second threshold amount of business with the seller, the second threshold amount being higher than the first threshold amount.