Financial Transaction System with Integrated Electronic Messaging, Control of Marketing Data, and User Defined Charges for Receiving Messages
First Claim
1. A method of collecting marketing information, the method comprising:
- providing a processor for communication over a network with a user computer;
providing 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;
receiving, in the processor, a proposed electronic transaction comprising a first user account identifier associated with a first user account, a selection criteria, and a message;
identifying, in the processor, 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, and a message store;
determining, in the processor, whether a predetermined condition is met;
if the predetermined condition is not met;
rejecting the proposed electronic transaction;
if the predetermined condition is met;
(1) delivering the message to the message store associated with the second user account, (2) adjusting the account balance associated with the first user account by a first amount, and (3) after receiving, in the processor, a request to access the delivered message in the message store associated with the second user account, adjusting the account balance associated with the second user account by a second amount; and
storing, in the data structure, information related to the transaction in the market profile associated with the second user account.
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Abstract
A method of performing financial transactions between users of Summa accounts, each Summa account including an electronic messaging system that provides for crediting and debiting at least one financial account associated with each Summa 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 from the Summa account 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.
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Citations
24 Claims
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1. A method of collecting marketing information, the method comprising:
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providing a processor for communication over a network with a user computer; providing 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; receiving, in the processor, a proposed electronic transaction comprising a first user account identifier associated with a first user account, a selection criteria, and a message; identifying, in the processor, 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, and a message store; determining, in the processor, whether a predetermined condition is met; if the predetermined condition is not met;
rejecting the proposed electronic transaction;if the predetermined condition is met;
(1) delivering the message to the message store associated with the second user account, (2) adjusting the account balance associated with the first user account by a first amount, and (3) after receiving, in the processor, a request to access the delivered message in the message store associated with the second user account, adjusting the account balance associated with the second user account by a second amount; andstoring, in the data structure, information related to the transaction in the market profile associated with the second user account. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A system for collecting marketing information, the system comprising:
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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 charge; (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 a receipt charge; (3) determine whether the receipt charge exceeds the maximum charge; (4) if the receipt charge exceeds the maximum charge;
reject the proposed electronic transaction;(5) if the receipt charge does not exceed the maximum charge;
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. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24)
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Specification