| CPC G06Q 30/0224 (2013.01) | 15 Claims |
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1. A system for controlling computer transactions over dispersed network elements, the system comprising:
an account management computing system comprising a first database that stores records of user accounts containing financial data of individual users, wherein the first database is structured to store electronic records for users, wherein the data records comprises user financial data and user personal data; the user financial data comprising an investment account, one or more values representing amounts of investments, and investment characteristics comprising an interest rate, a length of time that an invested amount must remain in the user account, and penalties for withdrawal of an amount prior to an end of that time period, and the user personal data comprises personal identifying information provided by the user, personal identifiers generated by the system that uniquely identify a user from all other users, user profile information stored in the record with the user financial data to specify personal characteristics and demographics of the user including at least a first financial value and a budget type, where the first financial value represents an amount of money the user intends to spend on a particular category of products or services and the budget type identifies an actual category of products or services; other data stored in the record includes a predetermined time frame that the user intends to spend the identified amount of money on such products or services, the user financial data comprises an account identifier, and wherein interrelated financial data and the personal data are associated with a specific user;
wherein the account management computing system is configured to create pools of users by implementing a sorting system configured to select one or more particular values as identifying criterion and perform sorting and filtering of user financial and personal data stored in the first database to form a plurality of custom anonymous pools wherein each pool of sorted data is an aggregate pool of data relating to a sub-portion of users, wherein the aggregate pool of data specifies a quantity of users possessing the one or more particular values selected as the identifying criterion for the personal data and wherein the account management computing system is configured to eliminate all personal identifying data from the formed pools;
wherein the account management computing system is configured to receive a discount offer from a first merchant to the users in the selected pool, the discount offer comprising a discount percentage value and a predetermined time period during which the discount percentage value is valid for transactions with the first merchant; and
wherein the account management computing system is configured to, in response to receiving a user selection of the discount offer, receive transaction data from point of sale devices or websites of the first merchant and, during the predetermined time period, calculate a discounted amount based on a purchase amount and the discount percentage value of the selected discount offer for that product or service that is subject to the discount offer, and, at the time of processing transactions determined to include selected discount offers, automatically deduct the discounted amount from the user account that processes transactions for users in their account including discounts as part of selected offers, whereby the discount offer is automatically applied to the user accounts.
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