| 摘要 |
A method of performing financial transactions between users of accounts comprising electronic messaging and crediting and debiting of at least one financial account. The invention also allows each user to define a schedule of receipt charges associated with the identities of other users to be charged as compensation for accepting delivery of their messages. With the user's permission, a record of purchases made may be maintained in a marketing database, increasing the value of use's market identity and the corresponding value of receipt charges they user may collect. Major benefits of the invention include, but are not limited to: (1) electronic financial transactions are completed in a more secure manner with appropriate tracking and verification, (2) message recipients receive income from the value of their market identities, and (3) commercial enterprises can more readily identify individuals interested in receiving their commercial offers. |
| 主权项 |
1. A system for collecting marketing information, the system comprising:
a processor for communication over a network with a user computer; and a memory in communication with the processor, the memory comprising a data structure, the data structure comprising data corresponding to a plurality of user accounts; wherein each of the plurality of user accounts comprises a user account identifier and a financial account identifier corresponding to a financial account, each financial account comprising an account balance; wherein the processor is configured to execute a program, the program being configured to perform the following steps: (1) receive a proposed electronic transaction comprising a first user account identifier associated with a first user account, a selection criteria, a message, and a maximum payment; (2) identify a second user account that meets the selection criteria; wherein the first user account and the second user account are user accounts in the plurality of user accounts, and wherein the second user account comprises a market profile, a message store, and at least one receipt payment; (3) determine whether the receipt payment exceeds the maximum payment; (4) if the receipt payment exceeds the maximum payment: reject the proposed electronic transaction; (5) if the receipt payment does not exceed the maximum payment: deliver the message to the message store associated with the second user account; and (6) store, in the data structure, information related to the transaction in the market profile associated with the second user account. |
