Patent ID: 7966216

Claim:
A computing system implemented process for providing consumers marketing devices based on their use of supplementary income comprising: obtaining electronic consumer financial data from a bank, the consumer financial data comprising historical financial transactions of a given consumer; receiving, from the given consumer for each given transaction within the historical transaction data, a category to be assigned the given transaction, and assigning the received category to the given transaction, wherein categories available for assignment comprise vacation, utilities, clothing, and either automobile or gas; receiving from the given consumer one or more categories of transactions approved to be sharable; analyzing transactions within the sharable categories of the consumer financial data to identify supplemental income associated with the given consumer and to determine how the given consumer historically utilizes the identified supplementary income; creating a supplementary income profile for the given consumer based on the analysis of the consumer financial data; providing data representing at least part of the supplementary income profile for the given consumer to a product marketer; and the product marketer providing the given consumer a marketing device based, at least in part, on analysis by the product marketer of the data representing at least part of the supplementary income profile for the given consumer, wherein the marketing device is provided to the given consumer using an electronic distribution media selected from the group of electronic distribution media consisting of: a network of one or more computing systems; a public network of one or more computing systems; the Internet; one or more web-sites; e-mail; cable television; satellite television; “on demand” television services; data embedded in digital media such as DVDs, CDs, and MP3 files; data displayed in on-line digital media stores; electronic attachments to electronic receipts; and electronic attachments to transactional data displayed by, banks, credit card companies, and other financial institutions.