Buyer-driven targeting of purchasing entities

• US 7,844,489 B2
• Filed: 06/26/2001
• Issued: 11/30/2010
• Est. Priority Date: 10/30/2000
• Status: Active Grant

• Current Assignee: BuyerLeverage
• Original Assignee: BuyerLeverage
• Inventors: Landesmann, Mark
• Primary Examiner(s): Le; Khanh H
• Application Number:
  US09/888,439
• Publication Number:
  US 20020052782A1
• Time in Patent Office: 3,444 Days
• Field of Search: 705/14
• US Class Current: 705/14.1
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/4015 using location information
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G06Q 30/0211 Determining the effectiveness of discounts or incentives
• CPC Class Codes: G06Q 30/0218 based on score
• CPC Class Codes: G06Q 30/0224 based on user history
• CPC Class Codes: G06Q 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
• CPC Class Codes: G06Q 30/0235 constrained by time limit or expiration date
• CPC Class Codes: G06Q 30/0239 Online discounts or incentives
• CPC Class Codes: G06Q 30/0267 Wireless devices
• CPC Class Codes: G06Q 30/0269 based on user profile or attribute
• CPC Class Codes: G06Q 30/0273 Determination of fees for advertising
• CPC Class Codes: G06Q 30/0277 Online advertisement
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]

Abstract

A method for buyer-driven targeting comprising the steps of: separately receiving from each of a plurality of buyer entities a respective third party proof of purchase record; entering information contained in the received proof of purchase records into a searchable electronic database; obtaining search criteria for the database; searching the information in the database based on the search criteria to obtain a group of buyer entities; and providing an incentive to each of a plurality of the buyer entities in the group.

Claims

1. A method for buyer-driven targeting by a system comprising:

receiving from each of a plurality of buyer entities at least one respective third party purchase record or information derived therefrom, said purchase record or information derived therefrom comprising data associated with the purchase of products or services for which the payment was not carried out by the system, wherein the receipt of the third party purchase record or information derived therefrom occurs on the initiative and with the consent of the buyer entity associated with that purchase record;

electronically storing, by computer, information associated with said data;

for a plurality of product or service items offered for sale, wherein each different item in said plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, and wherein said manufacture, marketing, distribution, point of sale payment or provision of the product or service is not carried out by the system in the ordinary course of business, electronically making, by computer, with respect to at least one of said buyer entities, based at least in part on said information, at least one decision associated with the offering of at least one from among a plurality of different preferential incentives, with each incentive associated with at least one of said product or service items and associated with at least one of the third party advertisers, wherein there is at least one different preferential incentive from each of a plurality of the different third party advertisers, each of said incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of said items, said benefit not normally and publicly accessible to said buyer entity or other buyer entities in the same geographic region on terms which are at least objectively equivalent, and which do not include material conditions that are different from said at least one action, said decision regarding the at least one incentive that is to be offered to the buyer entity being based at least in part on stored information associated with the data relating to a purchase made by said buyer entity with a merchant other than the third party advertiser that is associated with the incentive; and

facilitating the offering, by computer, of at least one of said preferential incentives to said buyer entity, without having transferred to said third party advertiser any full name associated with said buyer entity at the time that the incentive is offered but has not yet been responded to by said buyer entity, with a condition precedent for this step that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom;

wherein said making or helping to make at least one decision step further comprises the categorization of purchases listed from a plurality of independent third party merchants in the purchase records or information verifiably derived therefrom based on a set of categories; and

further comprising;

calculating or facilitating the calculation of a separate score for one of the buyer entities in at least one of the categories based on purchase data associated with purchases by the buyer entity in each of the respective categories; and

calculating a charge for providing the incentive based on both the size of a group of buyer entities resulting from a search of the stored information and the scores of the buyer entities.

2. The method as defined in claim 1, further comprising:

obtaining acceptance information on whether one of the buyer entities accepted the incentive; and

storing the acceptance information to a database.

3. The method as defined in claim 2, further comprising:

obtaining additional information on whether the buyer entity made a follow-up purchase or a co-purchase contemporaneous with or after accepting the incentive and inputting the additional information to be stored.

4. The method as defined in claim 1, further comprising:

receiving additional information on whether one of the buyer entities accepted the incentive; and

recalculating at least one of the scores for one of the buyer entities based on the additional information.

5. The method as defined in claim 4, further comprising:

determining if the recalculated score qualifies said one of the buyer entities for an on-going incentive.

6. The method as defined in claim 4, further comprising:

recalculating the incentive by applying said recalculated score of said one of the buyer entities to an incentive function or algorithm.

7. The method as defined in claim 1, wherein the plurality of incentives are provided across a plurality of distribution channels.

8. The method as defined in claim 1, comprising:

receiving additional information that one of the buyer entities visited a predetermined web site; and

recalculating one of the scores of said one of the buyer entities to increase the score based on additional information.

9. The method as recited in claim 1, further comprising:

receiving permission from said at least one buyer entity to send a threshold-contingent incentive by email, said permission being contingent on said threshold-contingent incentive meeting a threshold value;

and wherein said making includes;

determining a value of a particular incentive, and

making a decision in favor of sending said particular incentive to said buyer entity if and only if said incentive meets said threshold.

10. A system for buyer-driven targeting comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements

a first component for receiving from each of a plurality of buyer entities at least one respective third party purchase record or information derived therefrom, said purchase record or information derived therefrom comprising data associated with the purchase of products or services for which the payment was not carried out by the system, wherein the receipt of the third party purchase record or information derived therefrom occurs on the initiative and with the consent of the buyer entity associated with that purchase record;

a second electronic component for storing information associated with said data;

for a plurality of product or service items offered for sale, wherein each different item in said plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, and wherein said manufacture, marketing, distribution, point of sale payment or provision of the product or service is not carried out by the system in the ordinary course of business, a third electronic component for making with respect to at least one of said buyer entities, based at least in part on said information, at least one decision associated with the offering of at least one from among a plurality of different preferential incentives, with each incentive associated with at least one of said product or service items and associated with at least one of the third party advertisers, wherein there is at least one different preferential incentive from each of a plurality of the different third party advertisers, each of said incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of said items, said benefit not normally and publicly accessible to said buyer entity or other buyer entities in the same geographic region on terms which are at least objectively equivalent, and which do not include material conditions that are different from said at least one action, said decision regarding the at least one incentive that is to be offered to the buyer entity being based at least in part on stored information associated with the data relating to a purchase made by said buyer entity with a merchant other than the third party advertiser that is associated with the incentive; and

a fourth component for offering of at least one of said preferential incentives to said buyer entity, without having transferred to said third party advertiser any full name associated with said buyer entity at the time that the incentive is offered but has not yet been responded to by said buyer entity, with a condition precedent for this step that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein said second component for making or helping make a decision step further comprises a component for categorizing purchases listed from a plurality of independent third party merchants in the proof of purchase records based on a set of categories, and

further comprising;

a component for calculating at least one score for a buyer entity based on the amount purchased in one or more selected categories; and

a component for calculating a charge for providing the incentive based on both the size of a group of buyer entities resulting from a search of the stored information and the scores of the buyer entities.

11. The system as defined in claim 10, further comprising

a component for obtaining acceptance information on whether one of the buyer entities accepted the incentive;

and

a component for storing the acceptance information to a database.

12. The system as defined in claim 11, further comprising a component for obtaining additional information on whether the buyer entity made a follow-up purchase or a co-purchase contemporaneous with or after accepting the incentive and inputting the additional information to be stored.

13. The system as defined in claim 10, further comprising:

a component for receiving information on whether one of the buyer entities accepted the incentive; and

a component for recalculating at least one of the scores for one of the buyer entities based on the buyer entity accepting the incentive.

14. The system as defined in claim 13, further comprising:

a component for determining if the recalculated score qualifies said one of the buyer entities for an on-going incentive.

15. The system as defined in claim 13, further comprising:

a component for recalculating the incentive determined in said offering or facilitating the offering component by applying said recalculated score of said one of the buyer entities to an incentive function.

16. The system as defined in claim 10, wherein the system provides the plurality of incentives across a plurality of distribution channels.

17. The system as defined in claim 10, comprising:

a component for receiving information that one of the buyer entities visited a predetermined web site; and

recalculating one of the scores of said one of the buyer entities to increase the score based on this visit.

18. A method for buyer-driven targeting by a system comprising:

receiving from each of a plurality of buyer entities at least one respective third party purchase record or information derived therefrom, said purchase record or information derived therefrom comprising data associated with the purchase of products or services for which the payment was not carried out by the system, wherein the receipt of the third party purchase record or information derived therefrom occurs on the initiative and with the consent of the buyer entity associated with that purchase record;

electronically storing, by computer, information associated with said data;

for a plurality of product or service items offered for sale, wherein each different item in said plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, and wherein said manufacture, marketing, distribution, point of sale payment or provision of the product or service is not carried out by the system in the ordinary course of business, electronically making, by computer, with respect to at least one of said buyer entities, based at least in part on said information, at least one decision associated with the offering of at least one from among a plurality of different preferential incentives, with each incentive associated with at least one of said product or service items and associated with at least one of the third party advertisers, wherein there is at least one different preferential incentive from each of a plurality of the different third party advertisers, each of said incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of said items, said benefit not normally and publicly accessible to said buyer entity or other buyer entities in the same geographic region on terms which are at least objectively equivalent, and which do not include material conditions that are different from said at least one action, said decision regarding the at least one incentive that is to be offered to the buyer entity being based at least in part on stored information associated with the data relating to a purchase made by said buyer entity with a merchant other than the third party advertiser that is associated with the incentive; and

facilitating the offering, by computer, of at least one of said preferential incentives to said buyer entity, without having transferred to said third party advertiser any full name associated with said buyer entity at the time that the incentive is offered but has not yet been responded to by said buyer entity, with a condition precedent for this step that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom;

wherein said making or helping to make at least one decision step further comprises the categorization of purchases listed from a plurality of independent third party merchants in the purchase records or information verifiably derived therefrom based on a set of categories;

further comprising;

calculating or facilitating the calculation of a separate score for one of the buyer entities in at least one of the categories based on purchase data associated with purchases by the buyer entity in each of the respective categories; and

submitting a request to one of said buyer entities to provide a rating of a product or service item only if the purchase record or the information verifiably derived therefrom indicates that a purchase of the product or service item to be rated has been or might have been made.

19. The method as defined in claim 18, further comprising:

obtaining acceptance information on whether one of the buyer entities accepted the incentive; and

storing the acceptance information to a database.

20. The method as defined in claim 19, further comprising:

obtaining additional information on whether the buyer entity made a follow-up purchase or a co-purchase contemporaneous with or after accepting the incentive and inputting the additional information to be stored.

21. A system for buyer-driven targeting comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements

a first component for receiving from each of a plurality of buyer entities at least one respective third party purchase record or information derived therefrom, said purchase record or information derived therefrom comprising data associated with the purchase of products or services for which the payment was not carried out by the system, wherein the receipt of the third party purchase record or information derived therefrom occurs on the initiative and with the consent of the buyer entity associated with that purchase record;

a second electronic component for storing information associated with said data;

for a plurality of product or service items offered for sale, wherein each different item in said plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, and wherein said manufacture, marketing, distribution, point of sale payment or provision of the product or service is not carried out by the system in the ordinary course of business, a third electronic component for making with respect to at least one of said buyer entities, based at least in part on said information, at least one decision associated with the offering of at least one from among a plurality of different preferential incentives, with each incentive associated with at least one of said product or service items and associated with at least one of the third party advertisers, wherein there is at least one different preferential incentive from each of a plurality of the different third party advertisers, each of said incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of said items, said benefit not normally and publicly accessible to said buyer entity or other buyer entities in the same geographic region on terms which are at least objectively equivalent, and which do not include material conditions that are different from said at least one action, said decision regarding the at least one incentive that is to be offered to the buyer entity being based at least in part on stored information associated with the data relating to a purchase made by said buyer entity with a merchant other than the third party advertiser that is associated with the incentive;

a fourth component for offering of at least one of said preferential incentives to said buyer entity, without having transferred to said third party advertiser any full name associated with said buyer entity at the time that the incentive is offered but has not yet been responded to by said buyer entity, with a condition precedent for this step that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom; and

a component for submitting a request to one of said buyer entities to provide a rating of a product or service only if the purchase record of the buyer entity shows a purchase of the product or service to be rated.

22. The system as defined in claim 21, further comprising

a component for obtaining acceptance information on whether one of the buyer entities accepted the incentive;

and

a component for storing the acceptance information to a database.

23. The system as defined in claim 22, further comprising:

a component for obtaining additional information on whether the buyer entity made a follow-up purchase or a co-purchase contemporaneous with or after accepting the incentive and inputting the additional information to be stored.

24. A method for buyer-driven targeting by a system comprising:

receiving from each of a plurality of buyer entities at least one respective third party purchase record or information derived therefrom, said purchase record or information derived therefrom comprising data associated with the purchase of products or services for which the payment was not carried out by the system, wherein the receipt of the third party purchase record or information derived therefrom occurs on the initiative and with the consent of the buyer entity associated with that purchase record;

electronically storing, by computer, information associated with said data;

for a plurality of product or service items offered for sale, wherein each different item in said plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, and wherein said manufacture, marketing, distribution, point of sale payment or provision of the product or service is not carried out by the system in the ordinary course of business, electronically making, by computer, with respect to at least one of said buyer entities, based at least in part on said information, at least one decision associated with the offering of at least one from among a plurality of different preferential incentives, with each incentive associated with at least one of said product or service items and associated with at least one of the third party advertisers, wherein there is at least one different preferential incentive from each of a plurality of the different third party advertisers, each of said incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of said items, said benefit not normally and publicly accessible to said buyer entity or other buyer entities in the same geographic region on terms which are at least objectively equivalent, and which do not include material conditions that are different from said at least one action, said decision regarding the at least one incentive that is to be offered to the buyer entity being based at least in part on stored information associated with the data relating to a purchase made by said buyer entity with a merchant other than the third party advertiser that is associated with the incentive; and

facilitating the offering, by computer, of at least one of said preferential incentives to said buyer entity, without having transferred to said third party advertiser any full name associated with said buyer entity at the time that the incentive is offered but has not yet been responded to by said buyer entity, with a condition precedent for this step that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom;

wherein said making or helping to make at least one decision step further comprises the categorization of purchases listed from a plurality of independent third party merchants in the purchase records or information verifiably derived therefrom based on a set of categories;

further comprising;

calculating or facilitating the calculation of a separate score for one of the buyer entities in at least one of the categories based on purchase data associated with purchases by the buyer entity in each of the respective categories;

submitting a request to one of said buyer entities to provide a rating of a product or service item only if the purchase record or the information verifiably derived therefrom indicates that a purchase of the product or service item to be rated has been or might have been made;

weighting each entity submitted rating for a product or service item according to the money spent on the particular product or service item by the entity; and

creating an average rating for the product or service item based on the weighted entity submitted ratings.

25. The method as defined in claim 24, further comprising:

obtaining acceptance information on whether one of the buyer entities accepted the incentive; and

storing the acceptance information to a database.

26. The method as defined in claim 25, further comprising:

obtaining additional information on whether the buyer entity made a follow-up purchase or a co-purchase contemporaneous with or after accepting the incentive and inputting the additional information to be stored.

27. A system for buyer-driven targeting comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements

a first component for receiving from each of a plurality of buyer entities at least one respective third party purchase record or information derived therefrom, said purchase record or information derived therefrom comprising data associated with the purchase of products or services for which the payment was not carried out by the system, wherein the receipt of the third party purchase record or information derived therefrom occurs on the initiative and with the consent of the buyer entity associated with that purchase record;

a second electronic component for storing information associated with said data;

for a plurality of product or service items offered for sale, wherein each different item in said plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, and wherein said manufacture, marketing, distribution, point of sale payment or provision of the product or service is not carried out by the system in the ordinary course of business, a third electronic component for making with respect to at least one of said buyer entities, based at least in part on said information, at least one decision associated with the offering of at least one from among a plurality of different preferential incentives, with each incentive associated with at least one of said product or service items and associated with at least one of the third party advertisers, wherein there is at least one different preferential incentive from each of a plurality of the different third party advertisers, each of said incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of said items, said benefit not normally and publicly accessible to said buyer entity or other buyer entities in the same geographic region on terms which are at least objectively equivalent, and which do not include material conditions that are different from said at least one action, said decision regarding the at least one incentive that is to be offered to the buyer entity being based at least in part on stored information associated with the data relating to a purchase made by said buyer entity with a merchant other than the third party advertiser that is associated with the incentive;

a fourth component for offering of at least one of said preferential incentives to said buyer entity, without having transferred to said third party advertiser any full name associated with said buyer entity at the time that the incentive is offered but has not yet been responded to by said buyer entity, with a condition precedent for this step that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom;

a component for submitting a request to one of said buyer entities to provide a rating of a product or service only if the purchase record of the buyer entity shows a purchase of the product or service to be rated;

a component for weighting each entity submitted rating for a product or service according to the money spent on the particular product or service by the entity; and

a component for creating an average rating for the product or service based on the weighted entity submitted ratings.

28. The system as defined in claim 27, further comprising

a component for obtaining acceptance information on whether one of the buyer entities accepted the incentive;

and

a component for storing the acceptance information to a database.

29. The system as defined in claim 28, further comprising:

a component for obtaining additional information on whether the buyer entity made a follow-up purchase or a co-purchase contemporaneous with or after accepting the incentive and inputting the additional information to be stored.

30. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items;

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom;

further comprising;

obtaining multiplier-effect-information on said buyer entity, said information being associated with at least one follow-up purchase or at least one contemporaneous co-purchase which the buyer entity made with or after accepting the incentive;

storing the acceptance information; and

making a decision to offer a further incentive to the buyer entities based at least in part on said multiplier-effect-information, said decision being in the economic interest of the buyer entity.

31. The method as recited in claim 30, wherein the making further includes executing a forward-looking process, the forward-looking process including:

determining a function and budget-related limit associated with at least one of the incentives based in part on information received from a forward-participating-advertiser,

receiving newly-submitted purchase records of the buyer entities with the condition precedent that the function and budget-related limit has been determined;

automatically and electronically making a new decision associated with the offering, said new decision being based at least in part on the function, the budget limit, and the newly-submitted purchase records;

distributing the incentive based at least in part on the new decision; and

halting the distributing when the budget-related limit is met.

32. The method as recited in claim 30, wherein the making at least one decision further includes providing access to potential-audience-information containing at least part of the data or information derived from the data to at least one of the third party advertisers via an interactive user interface, receiving audience and incentive-definition-information from the at least one of the third party advertisers, selecting output-information derived at least in part from the potential-audience-information and the audience and incentive-definition-information, presenting the output-information to the at least one of the third party advertisers, receiving parameter information from the at least one of the third party advertisers, and making the at least one decision at least in part based on the parameter information.

33. The method as recited in claim 30, wherein said receiving includes:

receiving the permission of at least one of the buyer entities to access at least some of web-based online accounts thereof

automatically accessing the web-based online accounts;

retrieving at least some of said information relating to said purchases made by said at least one of the buyer entities; and

repeating said accessing and retrieving steps unless a cancellation of said permission is received.

34. The method as recited in claim 30, comprising:

obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

storing the acceptance information; and

making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

35. The method as recited in claim 30, wherein the making at least one decision further includes providing access to potential-audience-information containing at least part of the data or information derived from the data to at least one of the third party advertisers via an interactive user interface, receiving audience and incentive-definition-information from the at least one of the third party advertisers, selecting output-information derived at least in part from the potential-audience-information and the audience and incentive-definition-information, presenting the output-information to the at least one of the third party advertisers, receiving parameter information from the at least one of the third party advertisers, and making the at least one decision at least in part based on the parameter information;

and

wherein the making further includes executing a forward-looking process, the forward-looking process including;

determining a function and budget-related limit associated with at least one of the incentives based in part on information received from a forward-participating-advertiser;

receiving newly-submitted purchase records of the buyer entities with the condition precedent that the function and budget-related limit has been determined;

automatically and electronically making a new decision associated with the making of an incentive offer, said decision being based at least in part on the function, budget limit, and the newly-submitted purchase records;

distributing the incentive based at least in part on the revised making; and

halting the distributing when the budget-related limit is met.

36. The method as recited in claim 30, wherein said receiving includes:

receiving the permission of at least one of the buyer entities to access at least some of web-based online accounts thereof;

automatically accessing the web-based online accounts;

retrieving at least some of said information relating to said purchases made by said at least one of the buyer entities; and

repeating said accessing and retrieving steps unless a cancellation of said permission is received;

wherein the making at least one decision further includes providing access to potential-audience-information containing at least part of the data or information derived from the data to at least one of the third party advertisers via an interactive user interface, receiving audience and incentive-definition-information from the at least one of the third party advertisers, selecting output-information derived at least in part from the potential-audience-information and the audience and incentive-definition-information, presenting the output-information to the at least one of the third party advertisers, receiving parameter information from the at least one of the third party advertisers, and making the at least one decision at least in part based on the parameter information.

37. The method as recited in claim 30, wherein said receiving includes:

receiving the permission of at least one of the buyer entities to access at least some of web-based online accounts thereof;

automatically accessing the web-based online accounts;

retrieving at least some of said information relating to said purchases made by said at least one of the buyer entities; and

repeating said accessing and retrieving steps unless a cancellation of said permission is received;

wherein the making further includes executing a forward-looking process, the forward-looking process including;

determining a function and budget-related limit associated with at least one of the incentives based in part on information received from a forward-participating-advertiser,

receiving newly-submitted purchase records of the buyer entities with the condition precedent that the function and budget-related limit has been determined;

automatically and electronically making a new decision associated with the making of an incentive offer, said decision being based at least in part on the function, budget limit, and the newly-submitted purchase records;

distributing the incentive based at least in part on the revised making; and

halting the distributing when the budget-related limit is met.

38. The method as recited in claim 30, wherein said receiving includes:

receiving the permission of at least one of the buyer entities to access at least some of web-based online accounts thereof;

automatically accessing the web-based online accounts;

retrieving at least some of said information relating to said purchases made by said at least one of the buyer entities; and

repeating said accessing and retrieving steps unless a cancellation of said permission is received;

wherein the making at least one decision further includes providing access to potential-audience-information containing at least part of the data or information derived from the data to at least one of the third party advertisers via an interactive user interface, receiving audience and incentive-definition-information from the at least one of the third party advertisers, selecting output-information derived at least in part from the potential-audience-information and the audience and incentive-definition-information, presenting the output-information to the at least one of the third party advertisers, receiving parameter information from the at least one of the third party advertisers, and making the at least one decision at least in part based on the parameter information;

wherein the making further includes executing a forward-looking process, the forward-looking process including;

determining a function and budget-related limit associated with at least one of the incentives based in part on information received from a forward-participating-advertiser,

receiving newly-submitted purchase records of the buyer entities with the condition precedent that the function and budget-related limit has been determined;

automatically and electronically making a new decision associated with the making of an incentive offer, said new decision being based at least in part on the function, budget limit, and the newly-submitted purchase records;

distributing the incentive based at least in part on the revised making; and

halting the distributing when the budget-related limit is met.

39. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items;

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom;

further comprising;

obtaining multiplier-effect-information on said buyer entity, said information being associated with at least one follow-up purchase or at least one contemporaneous co-purchase which the buyer entity made with or after accepting the incentive;

storing the acceptance information; and

making a decision to offer a further incentive to the buyer entities based at least in part on said multiplier-effect-information, said decision being in the economic interest of the buyer entity;

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record.

40. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items;

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom;

further comprising;

obtaining multiplier-effect-information on said buyer entity, said information being associated with at least one follow-up purchase or at least one contemporaneous co-purchase which the buyer entity made with or after accepting the incentive;

storing the acceptance information; and

making a decision to offer a further incentive to the buyer entities based at least in part on said multiplier-effect-information, said decision being in the economic interest of the buyer entity;

wherein the purchase record or information derived therefrom comprises data associated with the purchase of products or services for which payment was not carried out by the system.

41. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items;

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom;

further comprising;

obtaining multiplier-effect-information on said buyer entity, said information being associated with at least one follow-up purchase or at least one contemporaneous co-purchase which the buyer entity made with or after accepting the incentive;

storing the acceptance information; and

making a decision to offer a further incentive to the buyer entities based at least in part on said multiplier-effect-information, said decision being in the economic interest of the buyer entity;

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record,

wherein the purchase record or information derived therefrom comprises data associated with the purchase of products or services for which payment was not carried out by the system.

42. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items;

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom;

further comprising;

obtaining multiplier-effect-information on said buyer entity, said information being associated with at least one follow-up purchase or at least one contemporaneous co-purchase which the buyer entity made with or after accepting the incentive;

storing the acceptance information; and

making a decision to offer a further incentive to the buyer entities based at least in part on said multiplier-effect-information, said decision being in the economic interest of the buyer entity,

wherein the manufacture, marketing, distribution, and providing are not carried out by the system in the ordinary course of business.

43. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items;

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom;

further comprising;

obtaining multiplier-effect-information on said buyer entity, said information being associated with at least one follow-up purchase or at least one contemporaneous co-purchase which the buyer entity made with or after accepting the incentive;

storing the acceptance information; and

making a decision to offer a further incentive to the buyer entities based at least in part on said multiplier-effect-information, said decision being in the economic interest of the buyer entity,

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record,

wherein the manufacture, marketing, distribution, and providing are not carried out by the system in the ordinary course of business.

44. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items;

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom;

further comprising;

obtaining multiplier-effect-information on said buyer entity, said information being associated with at least one follow-up purchase or at least one contemporaneous co-purchase which the buyer entity made with or after accepting the incentive;

storing the acceptance information; and

making a decision to offer a further incentive to the buyer entities based at least in part on said multiplier-effect-information, said decision being in the economic interest of the buyer entity,

wherein the purchase record or information derived therefrom comprises data associated with the purchase of products or services for which payment was not carried out by the system,

wherein the manufacture, marketing, distribution, and providing are not carried out by the system in the ordinary course of business.

45. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items;

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom;

further comprising;

obtaining multiplier-effect-information on said buyer entity, said information being associated with at least one follow-up purchase or at least one contemporaneous co-purchase which the buyer entity made with or after accepting the incentive;

storing the acceptance information; and

making a decision to offer a further incentive to the buyer entities based at least in part on said multiplier-effect-information, said decision being in the economic interest of the buyer entity,

wherein the at least one benefit is not normally and publicly accessible to the buyer entity or other buyer entities in the same geographic region on terms which are at least objectively equivalent, and which do not include material conditions that are different from the at least one action.

46. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items;

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom;

further comprising;

obtaining multiplier-effect-information on said buyer entity, said information being associated with at least one follow-up purchase or at least one contemporaneous co-purchase which the buyer entity made with or after accepting the incentive;

storing the acceptance information; and

making a decision to offer a further incentive to the buyer entities based at least in part on said multiplier-effect-information, said decision being in the economic interest of the buyer entity,

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record,

wherein the at least one benefit is not normally and publicly accessible to the buyer entity or other buyer entities in the same geographic region on terms which are at least objectively equivalent, and which do not include material conditions that are different from the at least one action.

47. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items;

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom;

further comprising;

obtaining multiplier-effect-information on said buyer entity, said information being associated with at least one follow-up purchase or at least one contemporaneous co-purchase which the buyer entity made with or after accepting the incentive;

storing the acceptance information; and

making a decision to offer a further incentive to the buyer entities based at least in part on said multiplier-effect-information, said decision being in the economic interest of the buyer entity,

wherein the purchase record or information derived therefrom comprises data associated with the purchase of products or services for which payment was not carried out by the system,

wherein the at least one benefit is not normally and publicly accessible to the buyer entity or other buyer entities in the same geographic region on terms which are at least objectively equivalent, and which do not include material conditions that are different from the at least one action.

48. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items;

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom;

further comprising;

obtaining multiplier-effect-information on said buyer entity, said information being associated with at least one follow-up purchase or at least one contemporaneous co-purchase which the buyer entity made with or after accepting the incentive;

storing the acceptance information; and

making a decision to offer a further incentive to the buyer entities based at least in part on said multiplier-effect-information, said decision being in the economic interest of the buyer entity,

wherein the manufacture, marketing, distribution, and providing are not carried out by the system in the ordinary course of business,

wherein the at least one benefit is not normally and publicly accessible to the buyer entity or other buyer entities in the same geographic region on terms which are at least objectively equivalent, and which do not include material conditions that are different from the at least one action.

49. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items;

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom;

further comprising;

obtaining multiplier-effect-information on said buyer entity, said information being associated with at least one follow-up purchase or at least one contemporaneous co-purchase which the buyer entity made with or after accepting the incentive;

storing the acceptance information; and

making a decision to offer a further incentive to the buyer entities based at least in part on said multiplier-effect-information, said decision being in the economic interest of the buyer entity,

wherein the decision regarding the at least one incentive that is to be offered to the buyer entity is based at least in part on stored information relating to at least one purchase made by the buyer entity with merchants other than the third party advertiser that is associated with the incentive.

50. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items;

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom;

further comprising;

obtaining multiplier-effect-information on said buyer entity, said information being associated with at least one follow-up purchase or at least one contemporaneous co-purchase which the buyer entity made with or after accepting the incentive;

storing the acceptance information; and

making a decision to offer a further incentive to the buyer entities based at least in part on said multiplier-effect-information, said decision being in the economic interest of the buyer entity,

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record,

wherein the decision regarding the at least one incentive that is to be offered to the buyer entity is based at least in part on stored information relating to at least one purchase made by the buyer entity with merchants other than the third party advertiser that is associated with the incentive.

51. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items;

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom;

further comprising;

obtaining multiplier-effect-information on said buyer entity, said information being associated with at least one follow-up purchase or at least one contemporaneous co-purchase which the buyer entity made with or after accepting the incentive;

storing the acceptance information; and

making a decision to offer a further incentive to the buyer entities based at least in part on said multiplier-effect-information, said decision being in the economic interest of the buyer entity,

wherein the purchase record or information derived therefrom comprises data associated with the purchase of products or services for which payment was not carried out by the system,

wherein the decision regarding the at least one incentive that is to be offered to the buyer entity is based at least in part on stored information relating to at least one purchase made by the buyer entity with merchants other than the third party advertiser that is associated with the incentive.

52. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items;

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom;

further comprising;

obtaining multiplier-effect-information on said buyer entity, said information being associated with at least one follow-up purchase or at least one contemporaneous co-purchase which the buyer entity made with or after accepting the incentive;

storing the acceptance information; and

making a decision to offer a further incentive to the buyer entities based at least in part on said multiplier-effect-information, said decision being in the economic interest of the buyer entity,

wherein the manufacture, marketing, distribution, and providing are not carried out by the system in the ordinary course of business,

wherein the decision regarding the at least one incentive that is to be offered to the buyer entity is based at least in part on stored information relating to at least one purchase made by the buyer entity with merchants other than the third party advertiser that is associated with the incentive.

53. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items;

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom;

further comprising;

obtaining multiplier-effect-information on said buyer entity, said information being associated with at least one follow-up purchase or at least one contemporaneous co-purchase which the buyer entity made with or after accepting the incentive;

storing the acceptance information; and

making a decision to offer a further incentive to the buyer entities based at least in part on said multiplier-effect-information, said decision being in the economic interest of the buyer entity,

wherein the at least one benefit is not normally and publicly accessible to the buyer entity or other buyer entities in the same geographic region on terms which are at least objectively equivalent, and which do not include material conditions that are different from the at least one action,

wherein the decision regarding the at least one incentive that is to be offered to the buyer entity is based at least in part on stored information relating to purchases made by the buyer entity with merchants other than the third party advertiser that is associated with the incentive.

54. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items;

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom;

further comprising;

obtaining multiplier-effect-information on said buyer entity, said information being associated with at least one follow-up purchase or at least one contemporaneous co-purchase which the buyer entity made with or after accepting the incentive;

storing the acceptance information; and

making a decision to offer a further incentive to the buyer entities based at least in part on said multiplier-effect-information, said decision being in the economic interest of the buyer entity,

wherein the offering is facilitated without having transferred to the third party advertiser any full name associated with the buyer entity at the time that the incentive is offered but has not yet been responded to by the buyer entity.

55. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items;

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom;

further comprising;

obtaining multiplier-effect-information on said buyer entity, said information being associated with at least one follow-up purchase or at least one contemporaneous co-purchase which the buyer entity made with or after accepting the incentive;

storing the acceptance information; and

making a decision to offer a further incentive to the buyer entities based at least in part on said multiplier-effect-information, said decision being in the economic interest of the buyer entity,

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record,

wherein the offering is facilitated without having transferred to the third party advertiser any full name associated with the buyer entity at the time that the incentive is offered but has not yet been responded to by the buyer entity.

56. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items;

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom;

further comprising;

obtaining multiplier-effect-information on said buyer entity, said information being associated with at least one follow-up purchase or at least one contemporaneous co-purchase which the buyer entity made with or after accepting the incentive;

storing the acceptance information; and

making a decision to offer a further incentive to the buyer entities based at least in part on said multiplier-effect-information, said decision being in the economic interest of the buyer entity,

wherein the purchase record or information derived therefrom comprises data associated with the purchase of products or services for which payment was not carried out by the system,

wherein the offering is facilitated without having transferred to the third party advertiser any full name associated with the buyer entity at the time that the incentive is offered but has not yet been responded to by the buyer entity.

57. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items;

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom;

further comprising;

obtaining multiplier-effect-information on said buyer entity, said information being associated with at least one follow-up purchase or at least one contemporaneous co-purchase which the buyer entity made with or after accepting the incentive;

storing the acceptance information; and

making a decision to offer a further incentive to the buyer entities based at least in part on said multiplier-effect-information, said decision being in the economic interest of the buyer entity,

wherein the manufacture, marketing, distribution, and providing are not carried out by the system in the ordinary course of business,

wherein the offering is facilitated without having transferred to the third party advertiser any full name associated with the buyer entity at the time that the incentive is offered but has not yet been responded to by the buyer entity.

58. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items;

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom;

further comprising;

obtaining multiplier-effect-information on said buyer entity, said information being associated with at least one follow-up purchase or at least one contemporaneous co-purchase which the buyer entity made with or after accepting the incentive;

storing the acceptance information; and

making a decision to offer a further incentive to the buyer entities based at least in part on said multiplier-effect-information, said decision being in the economic interest of the buyer entity,

wherein the at least one benefit is not normally and publicly accessible to the buyer entity or other buyer entities in the same geographic region on terms which are at least objectively equivalent, and which do not include material conditions that are different from the at least one action,

wherein the offering is facilitated without having transferred to the third party advertiser any full name associated with the buyer entity at the time that the incentive is offered but has not yet been responded to by the buyer entity.

59. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items;

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom;

further comprising;

obtaining multiplier-effect-information on said buyer entity, said information being associated with at least one follow-up purchase or at least one contemporaneous co-purchase which the buyer entity made with or after accepting the incentive;

storing the acceptance information; and

making a decision to offer a further incentive to the buyer entities based at least in part on said multiplier-effect-information, said decision being in the economic interest of the buyer entity,

wherein the decision regarding the at least one incentive that is to be offered to the buyer entity is based at least in part on stored information relating to at least one purchase made by the buyer entity with merchants other than the third party advertiser that is associated with the incentive,

wherein the offering is facilitated without having transferred to the third party advertiser any full name associated with the buyer entity at the time that the incentive is offered but has not yet been responded to by the buyer entity.

60. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the receiving step comprises;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision step comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

61. The method as recited in claim 60, wherein the making at least one decision further includes providing access to potential-audience-information containing at least part of the data or information derived from the data to at least one of the third party advertisers via an interactive user interface, receiving audience and incentive-definition-information from the at least one of the third party advertisers, selecting output-information derived at least in part from the potential-audience-information and the audience and incentive-definition-information, presenting the output-information to the at least one of the third party advertisers, receiving parameter information from the at least one of the third party advertisers, and making the at least one decision at least in part based on the parameter information.

62. The method as recited in claim 60, further comprising:

obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

storing the acceptance information; and

making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

63. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record,

wherein the receiving step comprises;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision step comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

64. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the purchase record or information derived therefrom comprises data associated with the purchase of products or services for which payment was not carried out by the system,

wherein the receiving step comprises;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision step comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

65. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record,

wherein the purchase record or information derived therefrom comprises data associated with the purchase of products or services for which payment was not carried out by the system,

wherein the receiving step comprises;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision step comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

66. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the manufacture, marketing, distribution, and providing are not carried out by the system in the ordinary course of business,

wherein the receiving step comprises;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision step comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

67. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record,

wherein the manufacture, marketing, distribution, and providing are not carried out by the system in the ordinary course of business,

wherein the receiving step comprises;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision step comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

68. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the purchase record or information derived therefrom comprises data associated with the purchase of products or services for which payment was not carried out by the system,

wherein the manufacture, marketing, distribution, and providing are not carried out by the system in the ordinary course of business,

wherein the receiving step comprises;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision step comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

69. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the at least one benefit is not normally and publicly accessible to the buyer entity or other buyer entities in the same geographic region on terms which are at least objectively equivalent, and which do not include material conditions that are different from the at least one action,

wherein the receiving step comprises;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision step comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

70. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record,

wherein the at least one benefit is not normally and publicly accessible to the buyer entity or other buyer entities in the same geographic region on terms which are at least objectively equivalent, and which do not include material conditions that are different from the at least one action,

wherein the receiving step comprises;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision step comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

71. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the purchase record or information derived therefrom comprises data associated with the purchase of products or services for which payment was not carried out by the system,

wherein the at least one benefit is not normally and publicly accessible to the buyer entity or other buyer entities in the same geographic region on terms which are at least objectively equivalent, and which do not include material conditions that are different from the at least one action,

wherein the receiving step comprises;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision step comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

72. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the manufacture, marketing, distribution, and providing are not carried out by the system in the ordinary course of business,

wherein the at least one benefit is not normally and publicly accessible to the buyer entity or other buyer entities in the same geographic region on terms which are at least objectively equivalent, and which do not include material conditions that are different from the at least one action,

wherein the receiving step comprises;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision step comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

73. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the decision regarding the at least one incentive that is to be offered to the buyer entity is based at least in part on stored information relating to at least one purchase made by the buyer entity with merchants other than the third party advertiser that is associated with the incentive,

wherein the receiving step comprises;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision step comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

74. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record,

wherein the decision regarding the at least one incentive that is to be offered to the buyer entity is based at least in part on stored information relating to at least one purchase made by the buyer entity with merchants other than the third party advertiser that is associated with the incentive,

wherein the receiving step comprises;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision step comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

75. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the purchase record or information derived therefrom comprises data associated with the purchase of products or services for which payment was not carried out by the system,

wherein the decision regarding the at least one incentive that is to be offered to the buyer entity is based at least in part on stored information relating to at least one purchase made by the buyer entity with merchants other than the third party advertiser that is associated with the incentive,

wherein the receiving step comprises;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision step comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

76. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the manufacture, marketing, distribution, and providing are not carried out by the system in the ordinary course of business,

wherein the decision regarding the at least one incentive that is to be offered to the buyer entity is based at least in part on stored information relating to at least one purchase made by the buyer entity with merchants other than the third party advertiser that is associated with the incentive,

wherein the receiving step comprises;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision step comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

77. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the at least one benefit is not normally and publicly accessible to the buyer entity or other buyer entities in the same geographic region on terms which are at least objectively equivalent, and which do not include material conditions that are different from the at least one action,

wherein the decision regarding the at least one incentive that is to be offered to the buyer entity is based at least in part on stored information relating to purchases made by the buyer entity with merchants other than the third party advertiser that is associated with the incentive,

wherein the receiving step comprises;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision step comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

78. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the offering is facilitated without having transferred to the third party advertiser any full name associated with the buyer entity at the time that the incentive is offered but has not yet been responded to by the buyer entity,

wherein the receiving step comprises;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision step comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

79. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record,

wherein the offering is facilitated without having transferred to the third party advertiser any full name associated with the buyer entity at the time that the incentive is offered but has not yet been responded to by the buyer entity,

wherein the receiving step comprises;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision step comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

80. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the purchase record or information derived therefrom comprises data associated with the purchase of products or services for which payment was not carried out by the system,

wherein the offering is facilitated without having transferred to the third party advertiser any full name associated with the buyer entity at the time that the incentive is offered but has not yet been responded to by the buyer entity,

wherein the receiving step comprises;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision step comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

81. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the manufacture, marketing, distribution, and providing are not carried out by the system in the ordinary course of business,

wherein the offering is facilitated without having transferred to the third party advertiser any full name associated with the buyer entity at the time that the incentive is offered but has not yet been responded to by the buyer entity,

wherein the receiving step comprises;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision step comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

82. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the at least one benefit is not normally and publicly accessible to the buyer entity or other buyer entities in the same geographic region on terms which are at least objectively equivalent, and which do not include material conditions that are different from the at least one action,

wherein the offering is facilitated without having transferred to the third party advertiser any full name associated with the buyer entity at the time that the incentive is offered but has not yet been responded to by the buyer entity,

wherein the receiving step comprises;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision step comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

83. A method for buyer-driven targeting by a system comprising:

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing, by computer, information associated with the data;

for a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the decision regarding the at least one incentive that is to be offered to the buyer entity is based at least in part on stored data relating to at least one purchase made by the buyer entity with merchants other than the third party advertiser that is associated with the incentive,

wherein the offering is facilitated without having transferred to the third party advertiser any full name associated with the buyer entity at the time that the incentive is offered but has not yet been responded to by the buyer entity,

wherein the receiving step comprises;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision step comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

84. A computer program product for buyer-driven targeting by a system comprising:

a set of computer-readable non-transitory media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving, via computer-enabled automated access, data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

further comprising;

computer code for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

computer code for storing the acceptance information; and

computer code for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

85. The computer program product as recited in claim 84, wherein the making at least one decision further includes providing access to potential-audience-information containing at least part of the data or information derived from the data to at least one of the third party advertisers via an interactive user interface, receiving audience and incentive-definition-information from the at least one of the third party advertisers, selecting output-information derived at least in part from the potential-audience-information and the audience and incentive-definition-information, presenting the output-information to the at least one of the third party advertisers, receiving parameter information from the at least one of the third party advertisers, and making the at least one decision at least in part based on the parameter information.

86. The computer program product as recited in claim 84, wherein said receiving includes:

receiving the permission of at least one of the buyer entities to access at least some of web-based online accounts thereof;

automatically accessing the web-based online accounts;

retrieving at least some of said information relating to said purchases made by said at least one of the buyer entities; and

repeating said accessing and retrieving unless a cancellation of said permission is received.

87. The computer program product as recited in claim 84, further comprising:

computer code for obtaining multiplier-effect-information on said buyer entity, said information being associated with at least one follow-up purchase or at least one contemporaneous co-purchase which the buyer entity made with or after accepting the incentive;

computer code for storing the acceptance information; and

computer code for making a decision to offer a further incentive to the buyer entities based at least in part on said multiplier-effect-information, said decision being in the economic interest of the buyer entity.

88. The computer program product as recited in claim 84, further comprising:

computer code for calculating for said buyer entity at least one measure which indicates the amount of benefits available to the buyer entity based at least in part on the information stored about the buyer entity; and

computer code for presenting said at least one measure to the buyer entity.

89. The computer program product as recited in claim 84, where said incentive is presented to the buyer entity on a wireless device, and where said decision is made at least in part based on location information associated with the location of the wireless device.

90. The computer program product as recited in claim 84, further comprising computer code for receiving manual input from the buyer entity, and making said decision at least in part based on the manual input.

91. The computer program product as recited in claim 84, further comprising computer code for receiving browsing-behavior information associated with the buyer entity, and making said decision at least in part based on the browsing-behavior information.

92. The computer program product as recited in claim 84, further comprising computer code for receiving demographic information associated with the buyer entity, and making said decision at least in part based on the demographic information.

93. The computer program product as recited in claim 84, further comprising computer code for calculating a price for the offering of an incentive to the buyer entity based at least in part on information stored about the buyer entity.

94. The computer program product as recited in claim 84, further comprising computer code for sending information associated with the data of at least one particular of said buyer entities to a third party after receipt of an authorization from said at least one particular buyer entity.

95. The computer program product as recited in claim 84, further comprising:

computer code for obtaining enhancement permission from at least one enhanced buyer entity of said plurality of buyer entities to supplement data associated with said enhanced buyer entity with additional information to be obtained from at least one third party information broker; and

computer code for receiving additional information associated with the at least one enhanced buyer entity from at least one actual third party information broker; and

wherein the incentive in the facilitating the offering of the incentive is offered to the enhanced buyer entity on improved terms based at least in part on the additional information.

96. The computer program product as recited in claim 84, further comprising:

computer code for adding the purchase amounts for the buyer entity over a first period of time made from a first merchant to obtain a first merchant purchase amount;

determining if the first merchant purchase amount exceeds a threshold value; and

computer code for rewarding the buyer entity for having exceeded the threshold value of purchases.

97. The computer program product as recited in claim 84, wherein the making at least one decision further includes providing access to potential-audience-information containing at least part of the data or information derived from the data to at least one of the third party advertisers via an interactive user interface, receiving audience and incentive-definition-information from the at least one of the third party advertisers, selecting output-information derived at least in part from the potential-audience-information and the audience and incentive-definition-information, presenting the output-information to the at least one of the third party advertisers, receiving parameter information from the at least one of the third party advertisers, and making the at least one decision at least in part based on the parameter information;

and

wherein the making further includes executing a forward-looking process, the forward-looking process including;

determining a function and budget-related limit associated with at least one of the incentives based in part on information received from a forward-participating-advertiser;

receiving newly-submitted purchase records of the buyer entities with the condition precedent that the function and budget-related limit has been determined;

automatically and electronically making a new decision associated with the making of an incentive offer, said decision being based at least in part on the function, budget limit, and the newly-submitted purchase records;

distributing the incentive based at least in part on the revised making; and

halting the distributing when the budget-related limit is met.

98. A computer program product for buyer-driven targeting by a system comprising:

a set of computer-readable non-transitory media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving, via computer-enabled automated access, data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record

further comprising;

computer code for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

computer code for storing the acceptance information; and

computer code for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

99. A computer program product for buyer-driven targeting by a system comprising:

a set of computer-readable non-transitory media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving, via computer-enabled automated access, data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the purchase record or information derived therefrom comprises data associated with the purchase of products or services for which payment was not carried out by the system,

further comprising;

computer code for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

computer code for storing the acceptance information; and

computer code for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

100. A computer program product for buyer-driven targeting by a system comprising:

a set of computer-readable non-transitory media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving, via computer-enabled automated access, data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record,

wherein the purchase record or information derived therefrom comprises data associated with the purchase of products or services for which payment was not carried out by the system,

further comprising;

computer code for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

computer code for storing the acceptance information; and

computer code for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

101. A computer program product for buyer-driven targeting by a system comprising:

a set of computer-readable non-transitory media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving, via computer-enabled automated access, data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the manufacture, marketing, distribution, and providing are not carried out by the system in the ordinary course of business,

further comprising;

computer code for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

computer code for storing the acceptance information; and

computer code for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

102. A computer program product for buyer-driven targeting by a system comprising:

a set of computer-readable non-transitory media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving, via computer-enabled automated access, data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record,

wherein the manufacture, marketing, distribution, and providing are not carried out by the system in the ordinary course of business,

further comprising;

computer code for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

computer code for storing the acceptance information; and

computer code for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

103. A computer program product for buyer-driven targeting by a system comprising:

a set of computer-readable non-transitory media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving, via computer-enabled automated access, data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the purchase record or information derived therefrom comprises data associated with the purchase of products or services for which payment was not carried out by the system,

wherein the manufacture, marketing, distribution, and providing are not carried out by the system in the ordinary course of business,

further comprising;

computer code for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

computer code for storing the acceptance information; and

computer code for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

104. A computer program product for buyer-driven targeting by a system comprising:

a set of computer-readable non-transitory media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving, via computer-enabled automated access, data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the at least one benefit is not normally and publicly accessible to the buyer entity or other buyer entities in the same geographic region on terms which are at least objectively equivalent, and which do not include material conditions that are different from the at least one action,

further comprising;

computer code for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

computer code for storing the acceptance information; and

computer code for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

105. A computer program product for buyer-driven targeting by a system comprising:

a set of computer-readable non-transitory media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving, via computer-enabled automated access, data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record,

wherein the at least one benefit is not normally and publicly accessible to the buyer entity or other buyer entities in the same geographic region on terms which are at least objectively equivalent, and which do not include material conditions that are different from the at least one action,

further comprising;

computer code for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

computer code for storing the acceptance information; and

computer code for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

106. A computer program product for buyer-driven targeting by a system comprising:

a set of computer-readable non-transitory media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving, via computer-enabled automated access, data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the purchase record or information derived therefrom comprises data associated with the purchase of products or services for which payment was not carried out by the system,

wherein the at least one benefit is not normally and publicly accessible to the buyer entity or other buyer entities in the same geographic region on terms which are at least objectively equivalent, and which do not include material conditions that are different from the at least one action,

further comprising;

computer code for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

computer code for storing the acceptance information; and

computer code for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

107. A computer program product for buyer-driven targeting by a system comprising:

a set of computer-readable non-transitory media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving, via computer-enabled automated access, data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the manufacture, marketing, distribution, and providing are not carried out by the system in the ordinary course of business,

wherein the at least one benefit is not normally and publicly accessible to the buyer entity or other buyer entities in the same geographic region on terms which are at least objectively equivalent, and which do not include material conditions that are different from the at least one action,

further comprising;

computer code for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

computer code for storing the acceptance information; and

computer code for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

108. A computer program product for buyer-driven targeting by a system comprising:

a set of computer-readable non-transitory media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving, via computer-enabled automated access, data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the decision regarding the at least one incentive that is to be offered to the buyer entity is based at least in part on stored information relating to at least one purchase made by the buyer entity with merchants other than the third party advertiser that is associated with the incentive,

further comprising;

computer code for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

computer code for storing the acceptance information; and

computer code for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

109. A computer program product for buyer-driven targeting by a system comprising:

a set of computer-readable non-transitory media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving, via computer-enabled automated access, data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record,

wherein the decision regarding the at least one incentive that is to be offered to the buyer entity is based at least in part on stored information relating to at least one purchase made by the buyer entity with merchants other than the third party advertiser that is associated with the incentive,

further comprising;

computer code for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

computer code for storing the acceptance information; and

computer code for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

110. A computer program product for buyer-driven targeting by a system comprising:

a set of computer-readable non-transitory media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving, via computer-enabled automated access, data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the purchase record or information derived therefrom comprises data associated with the purchase of products or services for which payment was not carried out by the system,

wherein the decision regarding the at least one incentive that is to be offered to the buyer entity is based at least in part on stored information relating to at least one purchase made by the buyer entity with merchants other than the third party advertiser that is associated with the incentive,

further comprising;

computer code for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

computer code for storing the acceptance information; and

computer code for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

111. A computer program product for buyer-driven targeting by a system comprising:

a set of computer-readable non-transitory media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving, via computer-enabled automated access, data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the manufacture, marketing, distribution, and providing are not carried out by the system in the ordinary course of business,

wherein the decision regarding the at least one incentive that is to be offered to the buyer entity is based at least in part on stored information relating to at least one purchase made by the buyer entity with merchants other than the third party advertiser that is associated with the incentive,

further comprising;

computer code for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

computer code for storing the acceptance information; and

computer code for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

112. A computer program product for buyer-driven targeting by a system comprising:

a set of computer-readable non-transitory media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving, via computer-enabled automated access, data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the at least one benefit is not normally and publicly accessible to the buyer entity or other buyer entities in the same geographic region on terms which are at least objectively equivalent, and which do not include material conditions that are different from the at least one action,

wherein the decision regarding the at least one incentive that is to be offered to the buyer entity is based at least in part on stored information relating to purchases made by the buyer entity with merchants other than the third party advertiser that is associated with the incentive,

further comprising;

computer code for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

computer code for storing the acceptance information; and

computer code for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

113. A computer program product for buyer-driven targeting by a system comprising:

a set of computer-readable non-transitory media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving, via computer-enabled automated access, data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the offering is facilitated without having transferred to the third party advertiser any full name associated with the buyer entity at the time that the incentive is offered but has not yet been responded to by the buyer entity,

further comprising;

computer code for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

computer code for storing the acceptance information; and

computer code for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

114. A computer program product for buyer-driven targeting by a system comprising:

a set of computer-readable non-transitory media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving, via computer-enabled automated access, data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record,

wherein the offering is facilitated without having transferred to the third party advertiser any full name associated with the buyer entity at the time that the incentive is offered but has not yet been responded to by the buyer entity,

further comprising;

computer code for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

computer code for storing the acceptance information; and

computer code for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

115. A computer program product for buyer-driven targeting by a system comprising:

a set of computer-readable non-transitory media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving, via computer-enabled automated access, data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the purchase record or information derived therefrom comprises data associated with the purchase of products or services for which payment was not carried out by the system,

wherein the offering is facilitated without having transferred to the third party advertiser any full name associated with the buyer entity at the time that the incentive is offered but has not yet been responded to by the buyer entity,

further comprising;

computer code for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

computer code for storing the acceptance information; and

computer code for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

116. A computer program product for buyer-driven targeting by a system comprising:

a set of computer-readable non-transitory media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving, via computer-enabled automated access, data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the manufacture, marketing, distribution, and providing are not carried out by the system in the ordinary course of business,

wherein the offering is facilitated without having transferred to the third party advertiser any full name associated with the buyer entity at the time that the incentive is offered but has not yet been responded to by the buyer entity,

further comprising;

computer code for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

computer code for storing the acceptance information; and

computer code for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

117. A computer program product for buyer-driven targeting by a system comprising:

a set of computer-readable non-transitory media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving, via computer-enabled automated access, data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the at least one benefit is not normally and publicly accessible to the buyer entity or other buyer entities in the same geographic region on terms which are at least objectively equivalent, and which do not include material conditions that are different from the at least one action,

wherein the offering is facilitated without having transferred to the third party advertiser any full name associated with the buyer entity at the time that the incentive is offered but has not yet been responded to by the buyer entity,

further comprising;

computer code for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

computer code for storing the acceptance information; and

computer code for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

118. A computer program product for buyer-driven targeting by a system comprising:

a set of computer-readable non-transitory media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving, via computer-enabled automated access, data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record,

wherein the decision regarding the at least one incentive that is to be offered to the buyer entity is based at least in part on stored data relating to at least one purchase made by the buyer entity with merchants other than the third party advertiser that is associated with the incentive,

wherein the offering is facilitated without having transferred to the third party advertiser any full name associated with the buyer entity at the time that the incentive is offered but has not yet been responded to by the buyer entity,

further comprising;

computer code for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

computer code for storing the acceptance information; and

computer code for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

119. A computer program product for buyer-driven targeting by a system comprising:

a set of non-transitory computer-readable media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the receiving comprises program code for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

120. The program product as recited in claim 119, wherein the program code for making at least one decision further includes program code for providing access to potential-audience-information containing at least part of the data or information derived from the data to at least one of the third party advertisers via an interactive user interface, receiving audience and incentive-definition-information from the at least one of the third party advertisers, selecting output-information derived at least in part from the potential-audience-information and the audience and incentive-definition-information, presenting the output-information to the at least one of the third party advertisers, receiving parameter information from the at least one of the third party advertisers, and making the at least one decision at least in part based on the parameter information.

121. The program product as recited in claim 119, further comprising:

program code for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

program code for storing the acceptance information; and

program code for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

122. A computer program product for buyer-driven targeting by a system comprising:

a set of non-transitory computer-readable media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record,

wherein the receiving comprises program code for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

123. A computer program product for buyer-driven targeting by a system comprising:

a set of non-transitory computer-readable media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the purchase record or information derived therefrom comprises data associated with the purchase of products or services for which payment was not carried out by the system,

wherein the receiving comprises program code for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

124. A computer program product for buyer-driven targeting by a system comprising:

a set of non-transitory computer-readable media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record,

wherein the purchase record or information derived therefrom comprises data associated with the purchase of products or services for which payment was not carried out by the system,

wherein the receiving comprises program code for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

125. A computer program product for buyer-driven targeting by a system comprising:

a set of non-transitory computer-readable media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the manufacture, marketing, distribution, and providing are not carried out by the system in the ordinary course of business,

wherein the receiving comprises logic for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

126. A computer program product for buyer-driven targeting by a system comprising:

a set of non-transitory computer-readable media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record,

wherein the manufacture, marketing, distribution, and providing are not carried out by the system in the ordinary course of business,

wherein the receiving comprises program code for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

127. A computer program product for buyer-driven targeting by a system comprising:

a set of non-transitory computer-readable media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the purchase record or information derived therefrom comprises data associated with the purchase of products or services for which payment was not carried out by the system,

wherein the manufacture, marketing, distribution, and providing are not carried out by the system in the ordinary course of business,

wherein the receiving comprises program code for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

128. A computer program product for buyer-driven targeting by a system comprising:

a set of non-transitory computer-readable media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the at least one benefit is not normally and publicly accessible to the buyer entity or other buyer entities in the same geographic region on terms which are at least objectively equivalent, and which do not include material conditions that are different from the at least one action,

wherein the receiving comprises program code for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

129. A computer program product for buyer-driven targeting by a system comprising:

a set of non-transitory computer-readable media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record,

wherein the at least one benefit is not normally and publicly accessible to the buyer entity or other buyer entities in the same geographic region on terms which are at least objectively equivalent, and which do not include material conditions that are different from the at least one action,

wherein the receiving comprises program code for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

130. A computer program product for buyer-driven targeting by a system comprising:

a set of non-transitory computer-readable media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the purchase record or information derived therefrom comprises data associated with the purchase of products or services for which payment was not carried out by the system,

wherein the at least one benefit is not normally and publicly accessible to the buyer entity or other buyer entities in the same geographic region on terms which are at least objectively equivalent, and which do not include material conditions that are different from the at least one action,

wherein the receiving comprises program code for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

131. A computer program product for buyer-driven targeting by a system comprising:

a set of non-transitory computer-readable media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the manufacture, marketing, distribution, and providing are not carried out by the system in the ordinary course of business,

wherein the at least one benefit is not normally and publicly accessible to the buyer entity or other buyer entities in the same geographic region on terms which are at least objectively equivalent, and which do not include material conditions that are different from the at least one action,

wherein the receiving comprises program code for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

132. A computer program product for buyer-driven targeting by a system comprising:

a set of non-transitory computer-readable media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the decision regarding the at least one incentive that is to be offered to the buyer entity is based at least in part on stored information relating to at least one purchase made by the buyer entity with merchants other than the third party advertiser that is associated with the incentive,

wherein the receiving comprises program code for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

133. A computer program product for buyer-driven targeting by a system comprising:

a set of non-transitory computer-readable media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record,

wherein the decision regarding the at least one incentive that is to be offered to the buyer entity is based at least in part on stored information relating to at least one purchase made by the buyer entity with merchants other than the third party advertiser that is associated with the incentive,

wherein the receiving comprises program code for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

134. A computer program product for buyer-driven targeting by a system comprising:

a set of non-transitory computer-readable media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the purchase record or information derived therefrom comprises data associated with the purchase of products or services for which payment was not carried out by the system,

wherein the decision regarding the at least one incentive that is to be offered to the buyer entity is based at least in part on stored information relating to at least one purchase made by the buyer entity with merchants other than the third party advertiser that is associated with the incentive,

wherein the receiving comprises program code for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

135. A computer program product for buyer-driven targeting by a system comprising:

a set of non-transitory computer-readable media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the manufacture, marketing, distribution, and providing are not carried out by the system in the ordinary course of business,

wherein the decision regarding the at least one incentive that is to be offered to the buyer entity is based at least in part on stored information relating to at least one purchase made by the buyer entity with merchants other than the third party advertiser that is associated with the incentive,

wherein the receiving comprises program code for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

136. A computer program product for buyer-driven targeting by a system comprising:

a set of non-transitory computer-readable media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the at least one benefit is not normally and publicly accessible to the buyer entity or other buyer entities in the same geographic region on terms which are at least objectively equivalent, and which do not include material conditions that are different from the at least one action,

wherein the decision regarding the at least one incentive that is to be offered to the buyer entity is based at least in part on stored information relating to purchases made by the buyer entity with merchants other than the third party advertiser that is associated with the incentive,

wherein the receiving comprises program code for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

137. A computer program product for buyer-driven targeting by a system comprising:

a set of non-transitory computer-readable media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the offering is facilitated without having transferred to the third party advertiser any full name associated with the buyer entity at the time that the incentive is offered but has not yet been responded to by the buyer entity,

wherein the receiving comprises program code for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

138. A computer program product for buyer-driven targeting by a system comprising:

a set of non-transitory computer-readable media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record,

wherein the offering is facilitated without having transferred to the third party advertiser any full name associated with the buyer entity at the time that the incentive is offered but has not yet been responded to by the buyer entity,

wherein the receiving comprises program code for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

139. A computer program product for buyer-driven targeting by a system comprising:

a set of non-transitory computer-readable media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the purchase record or information derived therefrom comprises data associated with the purchase of products or services for which payment was not carried out by the system,

wherein the offering is facilitated without having transferred to the third party advertiser any full name associated with the buyer entity at the time that the incentive is offered but has not yet been responded to by the buyer entity,

wherein the receiving comprises program code for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

140. A computer program product for buyer-driven targeting by a system comprising:

a set of non-transitory computer-readable media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the manufacture, marketing, distribution, and providing are not carried out by the system in the ordinary course of business,

wherein the offering is facilitated without having transferred to the third party advertiser any full name associated with the buyer entity at the time that the incentive is offered but has not yet been responded to by the buyer entity,

wherein the receiving comprises program code for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

141. A computer program product for buyer-driven targeting by a system comprising:

a set of non-transitory computer-readable media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the at least one benefit is not normally and publicly accessible to the buyer entity or other buyer entities in the same geographic region on terms which are at least objectively equivalent, and which do not include material conditions that are different from the at least one action,

wherein the offering is facilitated without having transferred to the third party advertiser any full name associated with the buyer entity at the time that the incentive is offered but has not yet been responded to by the buyer entity,

wherein the receiving comprises program code for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

142. A computer program product for buyer-driven targeting by a system comprising:

a set of non-transitory computer-readable media having computer readable program code embodied therein to be executed by a computer, the computer readable program code comprising program code to perform the following method;

receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

electronically storing information associated with the data;

with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

facilitating the offering, by computer, of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record,

wherein the decision regarding the at least one incentive that is to be offered to the buyer entity is based at least in part on stored data relating to at least one purchase made by the buyer entity with merchants other than the third party advertiser that is associated with the incentive,

wherein the offering is facilitated without having transferred to the third party advertiser any full name associated with the buyer entity at the time that the incentive is offered but has not yet been responded to by the buyer entity,

wherein the receiving comprises program code for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

143. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

further comprising;

logic for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

logic for storing the acceptance information; and

logic for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

144. The system as recited in claim 143, wherein the making at least one decision further includes providing access to potential-audience-information containing at least part of the data or information derived from the data to at least one of the third party advertisers via an interactive user interface, receiving audience and incentive-definition-information from the at least one of the third party advertisers, selecting output-information derived at least in part from the potential-audience-information and the audience and incentive-definition-information, presenting the output-information to the at least one of the third party advertisers, receiving parameter information from the at least one of the third party advertisers, and making the at least one decision at least in part based on the parameter information.

145. The system as recited in claim 143, wherein said receiving includes:

receiving the permission of at least one of the buyer entities to access at least some of web-based online accounts thereof;

automatically accessing the web-based online accounts;

retrieving at least some of said information relating to said purchases made by said at least one of the buyer entities; and

repeating said accessing and retrieving unless a cancellation of said permission is received.

146. The system as recited in claim 143, further comprising:

logic for obtaining multiplier-effect-information on said buyer entity, said information being associated with at least one follow-up purchase or at least one contemporaneous co-purchase which the buyer entity made with or after accepting the incentive;

logic for storing the acceptance information; and

logic for making a decision to offer a further incentive to the buyer entities based at least in part on said multiplier-effect-information, said decision being in the economic interest of the buyer entity.

147. The system as recited in claim 143, further comprising:

logic for calculating for said buyer entity at least one measure which indicates the amount of benefits available to the buyer entity based at least in part on the information stored about the buyer entity; and

logic for presenting said at least one measure to the buyer entity.

148. The system as recited in claim 143, where said incentive is presented to the buyer entity on a wireless device, and where said decision is made at least in part based on location information associated with the location of the wireless device.

149. The system as recited in claim 143, further comprising logic for receiving manual input from the buyer entity, and making said decision at least in part based on the manual input.

150. The system as recited in claim 143, further comprising logic for receiving browsing-behavior information associated with the buyer entity, and making said decision at least in part based on the browsing-behavior information.

151. The system as recited in claim 143, further comprising logic for receiving demographic information associated with the buyer entity, and making said decision at least in part based on the demographic information.

152. The system as recited in claim 143, further comprising logic for calculating a price for the offering of an incentive to the buyer entity based at least in part on information stored about the buyer entity.

153. The system as recited in claim 143, further comprising logic for sending information associated with the data of at least one particular of said buyer entities to a third party after receipt of an authorization from said at least one particular buyer entity.

154. The system as recited in claim 143, further comprising:

logic for obtaining enhancement permission from at least one enhanced buyer entity of said plurality of buyer entities to supplement data associated with said enhanced buyer entity with additional information to be obtained from at least one third party information broker; and

logic for receiving additional information associated with the at least one enhanced buyer entity from at least one actual third party information broker; and

wherein the incentive in the facilitating the offering of the incentive is offered to the enhanced buyer entity on improved terms based at least in part on the additional information.

155. The system as recited in claim 143, further comprising:

logic for adding the purchase amounts for the buyer entity over a first period of time made from a first merchant to obtain a first merchant purchase amount;

determining if the first merchant purchase amount exceeds a threshold value; and

logic for rewarding the buyer entity for having exceeded the threshold value of purchases.

156. The system as recited in claim 143, wherein the making at least one decision further includes providing access to potential-audience-information containing at least part of the data or information derived from the data to at least one of the third party advertisers via an interactive user interface, receiving audience and incentive-definition-information from the at least one of the third party advertisers, selecting output-information derived at least in part from the potential-audience-information and the audience and incentive-definition-information, presenting the output-information to the at least one of the third party advertisers, receiving parameter information from the at least one of the third party advertisers, and making the at least one decision at least in part based on the parameter information;

and

wherein the making further includes executing a forward-looking process, the forward-looking process including;

determining a function and budget-related limit associated with at least one of the incentives based in part on information received from a forward-participating-advertiser;

receiving newly-submitted purchase records of the buyer entities with the condition precedent that the function and budget-related limit has been determined;

automatically and electronically making a new decision associated with the making of an incentive offer, said decision being based at least in part on the function, budget limit, and the newly-submitted purchase records;

distributing the incentive based at least in part on the revised making; and

halting the distributing when the budget-related limit is met.

157. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record,

further comprising;

logic for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

logic for storing the acceptance information; and

logic for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

158. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the purchase record or information derived therefrom comprises data associated with the purchase of products or services for which payment was not carried out by the system,

further comprising;

logic for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

logic for storing the acceptance information; and

logic for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

159. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record,

wherein the purchase record or information derived therefrom comprises data associated with the purchase of products or services for which payment was not carried out by the system,

further comprising;

logic for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

logic for storing the acceptance information; and

logic for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

160. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the manufacture, marketing, distribution, and providing are not carried out by the system in the ordinary course of business,

further comprising;

logic for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

logic for storing the acceptance information; and

logic for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

161. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record,

wherein the manufacture, marketing, distribution, and providing are not carried out by the system in the ordinary course of business,

further comprising;

logic for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

logic for storing the acceptance information; and

logic for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

162. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the purchase record or information derived therefrom comprises data associated with the purchase of products or services for which payment was not carried out by the system,

wherein the manufacture, marketing, distribution, and providing are not carried out by the system in the ordinary course of business,

further comprising;

logic for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

logic for storing the acceptance information; and

logic for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

163. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the at least one benefit is not normally and publicly accessible to the buyer entity or other buyer entities in the same geographic region on terms which are at least objectively equivalent, and which do not include material conditions that are different from the at least one action,

further comprising;

logic for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

logic for storing the acceptance information; and

logic for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

164. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record,

wherein the at least one benefit is not normally and publicly accessible to the buyer entity or other buyer entities in the same geographic region on terms which are at least objectively equivalent, and which do not include material conditions that are different from the at least one action,

further comprising;

logic for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

logic for storing the acceptance information; and

logic for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

165. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the purchase record or information derived therefrom comprises data associated with the purchase of products or services for which payment was not carried out by the system,

wherein the at least one benefit is not normally and publicly accessible to the buyer entity or other buyer entities in the same geographic region on terms which are at least objectively equivalent, and which do not include material conditions that are different from the at least one action,

further comprising;

logic for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

logic for storing the acceptance information; and

logic for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

166. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the manufacture, marketing, distribution, and providing are not carried out by the system in the ordinary course of business,

wherein the at least one benefit is not normally and publicly accessible to the buyer entity or other buyer entities in the same geographic region on terms which are at least objectively equivalent, and which do not include material conditions that are different from the at least one action,

further comprising;

logic for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

logic for storing the acceptance information; and

logic for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

167. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the decision regarding the at least one incentive that is to be offered to the buyer entity is based at least in part on stored data relating to at least one purchase made by the buyer entity with merchants other than the third party advertiser that is associated with the incentive,

further comprising;

logic for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

logic for storing the acceptance information; and

logic for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

168. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record,

wherein the decision regarding the at least one incentive that is to be offered to the buyer entity is based at least in part on stored data relating to at least one purchase made by the buyer entity with merchants other than the third party advertiser that is associated with the incentive,

further comprising;

logic for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

logic for storing the acceptance information; and

logic for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

169. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the purchase record or information derived therefrom comprises data associated with the purchase of products or services for which payment was not carried out by the system,

wherein the decision regarding the at least one incentive that is to be offered to the buyer entity is based at least in part on stored data relating to at least one purchase made by the buyer entity with merchants other than the third party advertiser that is associated with the incentive,

further comprising;

logic for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

logic for storing the acceptance information; and

logic for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

170. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the manufacture, marketing, distribution, and providing are not carried out by the system in the ordinary course of business,

wherein the decision regarding the at least one incentive that is to be offered to the buyer entity is based at least in part on stored data relating to at least one purchase made by the buyer entity with merchants other than the third party advertiser that is associated with the incentive,

further comprising;

logic for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

logic for storing the acceptance information; and

logic for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

171. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the purchase record or information derived therefrom comprises data associated with the purchase of products or services for which payment was not carried out by the system,

wherein the manufacture, marketing, distribution, and providing are not carried out by the system in the ordinary course of business,

wherein the decision regarding the at least one incentive that is to be offered to the buyer entity is based at least in part on stored data relating to purchases made by the buyer entity with merchants other than the third party advertiser that is associated with the incentive,

further comprising;

logic for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

logic for storing the acceptance information; and

logic for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

172. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the offering is facilitated without having transferred to the third party advertiser any full name associated with the buyer entity at the time that the incentive is offered but has not yet been responded to by the buyer entity,

further comprising;

logic for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

logic for storing the acceptance information; and

logic for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

173. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record,

wherein the offering is facilitated without having transferred to the third party advertiser any full name associated with the buyer entity at the time that the incentive is offered but has not yet been responded to by the buyer entity,

further comprising;

logic for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

logic for storing the acceptance information; and

logic for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

174. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the purchase record or information derived therefrom comprises data associated with the purchase of products or services for which payment was not carried out by the system,

wherein the offering is facilitated without having transferred to the third party advertiser any full name associated with the buyer entity at the time that the incentive is offered but has not yet been responded to by the buyer entity,

further comprising;

logic for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

logic for storing the acceptance information; and

logic for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

175. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the manufacture, marketing, distribution, and providing are not carried out by the system in the ordinary course of business,

wherein the offering is facilitated without having transferred to the third party advertiser any full name associated with the buyer entity at the time that the incentive is offered but has not yet been responded to by the buyer entity,

further comprising;

logic for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

logic for storing the acceptance information; and

logic for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

176. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the offering is facilitated without having transferred to the third party advertiser any full name associated with the buyer entity at the time that the incentive is offered but has not yet been responded to by the buyer entity,

further comprising;

logic for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

logic for storing the acceptance information; and

logic for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

177. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record,

wherein the decision regarding the at least one incentive that is to be offered to the buyer entity is based at least in part on stored data relating to at least one purchase made by the buyer entity with merchants other than the third party advertiser that is associated with the incentive,

wherein the offering is facilitated without having transferred to the third party advertiser any full name associated with the buyer entity at the time that the incentive is offered but has not yet been responded to by the buyer entity,

further comprising;

logic for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

logic for storing the acceptance information; and

logic for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

178. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the receiving comprises program code for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

179. The system as recited in claim 178, wherein the logic for making at least one decision is further configured for providing access to potential-audience-information containing at least part of the data or information derived from the data to at least one of the third party advertisers via an interactive user interface, receiving audience and incentive-definition-information from the at least one of the third party advertisers, selecting output-information derived at least in part from the potential-audience-information and the audience and incentive-definition-information, presenting the output-information to the at least one of the third party advertisers, receiving parameter information from the at least one of the third party advertisers, and making the at least one decision at least in part based on the parameter information.

180. The system as recited in claim 178, further comprising:

logic for obtaining acceptance information on whether at least one of the buyer entities accepted the incentive;

logic for storing the acceptance information; and

logic for making a decision to offer a further incentive to said at least one of the buyer entities based at least in part on said acceptance information, said decision being in the economic interest of said at least one of the buyer entities.

181. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record,

wherein the receiving comprises logic for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

182. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the purchase record or information derived therefrom comprises data associated with the purchase of products or services for which payment was not carried out by the system,

wherein the receiving comprises logic for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

183. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record,

wherein the purchase record or information derived therefrom comprises data associated with the purchase of products or services for which payment was not carried out by the system,

wherein the receiving comprises logic for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

184. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the manufacture, marketing, distribution, and providing are not carried out by the system in the ordinary course of business,

wherein the receiving comprises logic for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

185. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record,

wherein the manufacture, marketing, distribution, and providing are not carried out by the system in the ordinary course of business,

wherein the receiving comprises logic for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

186. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the purchase record or information derived therefrom comprises data associated with the purchase of products or services for which payment was not carried out by the system,

wherein the manufacture, marketing, distribution, and providing are not carried out by the system in the ordinary course of business,

wherein the receiving comprises logic for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

187. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the at least one benefit is not normally and publicly accessible to the buyer entity or other buyer entities in the same geographic region on terms which are at least objectively equivalent, and which do not include material conditions that are different from the at least one action,

wherein the receiving comprises logic for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

188. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record,

wherein the at least one benefit is not normally and publicly accessible to the buyer entity or other buyer entities in the same geographic region on terms which are at least objectively equivalent, and which do not include material conditions that are different from the at least one action,

wherein the receiving comprises logic for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

189. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the purchase record or information derived therefrom comprises data associated with the purchase of products or services for which payment was not carried out by the system,

wherein the at least one benefit is not normally and publicly accessible to the buyer entity or other buyer entities in the same geographic region on terms which are at least objectively equivalent, and which do not include material conditions that are different from the at least one action,

wherein the receiving comprises logic for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

190. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the manufacture, marketing, distribution, and providing are not carried out by the system in the ordinary course of business,

wherein the at least one benefit is not normally and publicly accessible to the buyer entity or other buyer entities in the same geographic region on terms which are at least objectively equivalent, and which do not include material conditions that are different from the at least one action,

wherein the receiving comprises logic for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

191. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the decision regarding the at least one incentive that is to be offered to the buyer entity is based at least in part on stored data relating to at least one purchase made by the buyer entity with merchants other than the third party advertiser that is associated with the incentive,

wherein the receiving comprises logic for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

192. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record,

wherein the decision regarding the at least one incentive that is to be offered to the buyer entity is based at least in part on stored data relating to at least one purchase made by the buyer entity with merchants other than the third party advertiser that is associated with the incentive,

wherein the receiving comprises logic for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

193. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the purchase record or information derived therefrom comprises data associated with the purchase of products or services for which payment was not carried out by the system,

wherein the decision regarding the at least one incentive that is to be offered to the buyer entity is based at least in part on stored data relating to at least one purchase made by the buyer entity with merchants other than the third party advertiser that is associated with the incentive,

wherein the receiving comprises logic for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

194. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the manufacture, marketing, distribution, and providing are not carried out by the system in the ordinary course of business,

wherein the decision regarding the at least one incentive that is to be offered to the buyer entity is based at least in part on stored data relating to at least one purchase made by the buyer entity with merchants other than the third party advertiser that is associated with the incentive,

wherein the receiving comprises logic for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

195. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the purchase record or information derived therefrom comprises data associated with the purchase of products or services for which payment was not carried out by the system,

wherein the manufacture, marketing, distribution, and providing are not carried out by the system in the ordinary course of business,

wherein the decision regarding the at least one incentive that is to be offered to the buyer entity is based at least in part on stored data relating to purchases made by the buyer entity with merchants other than the third party advertiser that is associated with the incentive,

wherein the receiving comprises logic for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

196. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the offering is facilitated without having transferred to the third party advertiser any full name associated with the buyer entity at the time that the incentive is offered but has not yet been responded to by the buyer entity,

wherein the receiving comprises logic for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

197. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record,

wherein the offering is facilitated without having transferred to the third party advertiser any full name associated with the buyer entity at the time that the incentive is offered but has not yet been responded to by the buyer entity,

wherein the receiving comprises logic for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

198. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the purchase record or information derived therefrom comprises data associated with the purchase of products or services for which payment was not carried out by the system,

wherein the offering is facilitated without having transferred to the third party advertiser any full name associated with the buyer entity at the time that the incentive is offered but has not yet been responded to by the buyer entity,

wherein the receiving comprises logic for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

199. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the manufacture, marketing, distribution, and providing are not carried out by the system in the ordinary course of business,

wherein the offering is facilitated without having transferred to the third party advertiser any full name associated with the buyer entity at the time that the incentive is offered but has not yet been responded to by the buyer entity,

wherein the receiving comprises logic for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

200. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the offering is facilitated without having transferred to the third party advertiser any full name associated with the buyer entity at the time that the incentive is offered but has not yet been responded to by the buyer entity,

wherein the receiving comprises logic for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.

201. A system for buyer-driven targeting by a system comprising:

an electronic storage; and

a set of processors that use the electronic storage and include among them the following logic elements;

logic for receiving data from each of a plurality of buyer entities comprising at least one respective third party purchase record or information derived therefrom;

logic for electronically storing information associated with the data;

logic for, with respect to a plurality of product or service items offered for sale, wherein each different item in the plurality of items is either manufactured or marketed or distributed or provided by a different third party advertiser in a plurality of third party advertisers, electronically making, by computer, with respect to at least one of the buyer entities, based at least in part on the information, at least one decision associated with the offering of at least one from among a plurality of different incentives, with each incentive associated with at least one of the product or service items and associated with at least one of the third party advertisers, wherein there is at least one different incentive from each of a plurality of the different third party advertisers, each of the incentives offering at least one benefit in exchange for at least one action associated with a purchase of at least one of the items; and

logic for facilitating the offering of at least one of the incentives to the buyer entity, with a condition precedent for this operation that the system has received from that buyer entity the at least one respective third party purchase record or information verifiably derived therefrom,

wherein the receipt of the third party purchase record or information derived therefrom occurs on an initiative and with consent of the buyer entity associated with that purchase record,

wherein the decision regarding the at least one incentive that is to be offered to the buyer entity is based at least in part on stored data relating to at least one purchase made by the buyer entity with merchants other than the third party advertiser that is associated with the incentive,

wherein the offering is facilitated without having transferred to the third party advertiser any full name associated with the buyer entity at the time that the incentive is offered but has not yet been responded to by the buyer entity,

wherein the receiving comprises logic for;

sending to a buyer entity an offer for participating in an incentive program in return for access to purchase information pertaining to the buyer entity from at least three merchants;

receiving from the buyer entity a response with a digital identity verification granting a right of access to said purchase information of the merchants; and

obtaining said purchase information from the merchants;

wherein said making a decision comprises;

electronically searching the purchase information to obtain at least one attribute from the purchase information about the buyer entity; and

correlating the attribute to an incentive from a plurality of incentives.