Targeting advertising in a home retail banking delivery service

A method of targeting information delivery comprising:

• establishing connections with terminals associated with users;
• conducting home banking transactions with said users via said connections;
• generating a database at least in part in response to said home banking transactions;
• and
• targeting information for delivery to said terminals via said connections based on the contents of said database,
• wherein said method further includes:
• prompting one of said users to provide an input;
• transmitting a user response to said prompting step interactively in real time over at least one of said connections;
• and
• conditionally releasing the identity of said user to a provider associated with said targeted information based on said transmitted response.

A method of targeting users based at least in part on the users' remote access to financial services over a network via user terminals, the method comprising the following steps:

• obtaining, with a remotely located computer, advertising information relating to at least one product or service;
• communicating digital information between user terminals and the remotely located computer over a network that enables the users to remotely access financial services from their user terminals;
• storing and processing user requests with said remotely located computer and targeting users who may be interested in said advertising information;
• transmitting said advertising information from said remotely located computer to the user terminals operated by said targeted users;
• prompting said targeted users to select whether they want further information with respect to said product or service;
• receiving and testing user responses to said prompting step;
• and
• selecting users based at least in part on the results of said testing step.