Patent ID: 7996279

Claim:
A method for providing offers of an item constituting a good or a service to users of a system, utilizing an electronic communications device, comprising at least the following: establishing a communication via the electronic communications device between a buyer and the system for purpose of a primary transaction for a first good or service, receiving primary transaction data with respect to the primary transaction, including the purpose of the primary transaction, wherein the obtaining of primary transaction data is received as a plurality of inputs into a database of the system, obtaining the identity of the buyer, determining a coded designator from the identity of the buyer, the coded designator being indicative of processed data from a financial institution of the buyer; processing in at least one computing device of the system at least in part the primary transaction data including the purpose of the primary transaction and the coded designator, and determining from the primary transaction data and the coded designator an output including at least one item for offer to the buyer, and offering the item to the buyer.