Patent ID: 8606670

Claim:
A system comprising: one or more computers communicatively coupled with a communications network, wherein: the one or more computers are operated by a service provider, the one or more computers execute a plurality of routines, and the plurality of routines comprises: processing a plurality of financial transactions of a consumer with a plurality of merchants for a financial institution, wherein: the consumer has a financial account with the financial institution and the financial institution is different from the service provider and the consumer, and the plurality of merchants is different from the service provider, the consumer, and the financial institution, a strategic communications routine that manages correspondences to the consumer during generation of a statement of the financial account of the consumer, an access device routine that manages processing of a payment card used by the consumer in the plurality of financial transactions, and a broker routine that manages communications between a third-party advertiser and the consumer, wherein the third-party advertiser is different from the service provider, the consumer, the financial institution, and the plurality of merchants; and an integrated communications engine comprising one or more processors communicatively coupled with the communications network, wherein the integrated communications engine: monitors the plurality of routines to determine that the consumer has engaged in a cancellation of the payment card, manages communications between the plurality of routines to generate a promotional check with a monetary value based on the cancellation of the payment card, monitors the plurality of the financial transactions of the consumer with the plurality of merchants for a purchase of a particular good, and manages correspondence to the consumer to include an advertisement from the third-party advertiser with the statement of the financial account based on the purchase of the particular good.