System and method for facilitating financial transactions utilizing a plurality of networked databases

Abstract

A system and method that integrates financial and non-financial data to enable the efficient creation and distribution of financial transaction proposals, and the execution thereof. More particularly, the system and method is coordinated by a financial transaction program manager, depicted in some embodiments as an incentive program manager, that provides an interface to disparate data stores of financial and non-financial data that enables the efficient targeting and delivery of transaction proposals. Transaction proposals may take the form of incentive offers to individuals and entities based on identified criteria, including criteria identified or defined by merchants, program registrants, or third party entities and having certain terms. Acceptance of the terms of a proposed financial transaction may occur through a purchase made with an electronic payment instrument wherein said purchase satisfied the requirements of the proposed transaction. In the context of proposed incentive offers, the system and method may, in some embodiments, dynamically adjust a program registrant's reward depending on the extent of interest from the program registrant's social network, such as “clicks” on the advertising that appears in the program registrant's social networking account.

Dependencies are inferred from the claim text.