Patent ID: 8200532

Claim:
An online system configured to present incentives over a distributed network, the incentives being presented over the distributed network to potential purchasers of goods or services associated with the incentives, the system comprising: one or more servers that communicate with remote user terminals over a network, the one or more servers comprising: non-transient electronic storage that stores incentive information pertaining to incentive offers available from a plurality of offerors; product information pertaining to goods or services associated with the incentives; and user profile information pertaining to users of the system; and one or more processors that execute computer modules, the computer modules comprising: an incentive data output module that determines which if any of the incentives should be offered to the individual users based on the incentive information and the user profile information; a product module that transmits information pertaining to incentives and the associated goods or services which should be offered to the individual users to the remote user terminals for presentation to the users, wherein the product module is configured such that responsive to the incentive data output module determining that a first incentive should be offered to a first user, the product module transmits incentive information and product information associated with the first incentive to a remote user terminal for the first user; an incentive data input module that receives user selections of individual incentives that have been received by the users from the remote user terminals; a payment module that prompts users for payment of user selected incentives, wherein the payment module is configured such that, responsive to reception at the incentive data input module of a selection of the first incentive by the first user, the payment module transmits a prompt for payment to the remote user terminal for the first user; and an incentive dispersal module that transmits incentive information to the remote user terminals to enable the users to redeem incentives for which they have paid, wherein the incentive dispersal module is configured such that, responsive to receipt of payment by the first user for the first incentive through the prompt transmitted by the payment module, the incentive dispersal module transmits incentive information to the remote user terminal for the first user that enables the first user to redeem the first incentive.