Billing statement customer acquisition system

A non-transitory machine-readable medium comprising a plurality of machine-readable instructions which when executed by one or more processors of a server are adapted to cause the server to perform a method comprising:

• determining bill due date for a preexisting financial obligation owed by a user to an entity;
• generating an offer to the user that expires before the bill due date;
• providing the offer to the user, wherein the offer requires the user to spend a minimum dollar amount with a different entity in exchange for the different entity paying an amount of the preexisting financial obligation owed by the user to the entity;
• and
• transmitting the offer electronically to the user.

A method, comprising:

• determining, electronically by a processor of a service provider, a bill due date for a preexisting financial obligation owed by a user to an entity;
• generating, electronically by the processor, an offer to the user that expires before the bill due date;
• and
• providing, electronically by the processor, the offer to the user, wherein the offer requires the user to spend a minimum dollar amount with a different entity in exchange for the different entity paying an amount of the preexisting financial obligation owed by the user to the entity.