Conferring health related services or items in exchange for participation in opt-in advertising

A computer system for managing network-based electronic commerce digital communications and associated user-health information, comprising:

• one or more processors;
• an integration tier configured to manage mobile wallet sessions and maintain the integrity of financial transactions, wherein the integration tier also comprises a communication API to accept messages from a plurality of channels;
• service connectors configured to connect to third party systems, wherein each connector is deployed as a separate module intended to integrate an external service to the system architecture;
• a payment handler configured to wrap APIs of different payment processors including banking accounts, credit and debit cards or processors, wherein the payment handler exposing a common API to facilitate interactions with many different kinds of payment processors;
• security services configured to perform subscriber authentication;
• authorization services configured to perform client authorization using a database-based access control list table;
• a data warehouse configured to manage customer accounts, manage company accounts manage transaction histories, store financial transaction details, store customer profiles, store dictionaries used by the mobile wallet platform including countries and currencies, and managing money containers;
• a rules engine configured to gather financial transaction statistics and use the gathered statistics to provide transaction properties including fees and bonuses;
• rules engine also configured to enforce business constraints including transaction and platform license constraints;
• and
• one or more computer-readable media having stored thereon executable instructions that when executed by the one or more processors configure the computer system to perform at least the following:
• access, with a benefit determination module, health related information for a user of an electronic payment system, the user having a digital device and a mobile wallet account at the electronic payment system, the mobile wallet account being accessible to the user through a mobile wallet application running on the user's digital device;
• determine, based upon the health related information, a particular health attribute of the user;
• access, from an advertisement identification module, one or more advertisement campaign indicators, wherein each of the one or more advertisement campaign indicators is associated with metadata that describes an advertised health benefit of each of the one or more advertisement campaign indicators;
• match the metadata associated with at least one of the one or more advertisement campaign indicators with the particular health attribute of the user;
• access, from an interactive object module, information about one or more interactive objects, wherein the information describes a health attribute of each of the one or more interactive objects;
• match the information associated with an interactive object with the particular health attribute of the user;
• generate a benefit data structure, wherein the benefit data structure comprises a user identification, an advertisement identification, an interactive object identification, and a user-interaction tracking metric;
• store the benefit data structure in a benefit locker within the electronic payment system;
• generate a user interface template, wherein the user interface template comprises a first visual indication of the particular health attribute of the user, a second visual indication of the at least one of the one or more advertisement campaign indicators, and a third visual indication of the interactive object;
• and
• send, from the electronic payment system, the user interface template to the user's mobile wallet application for presentation to the user.