Financial transaction system with integrated electronic messaging, control of marketing data, and user defined charges for receiving messages

A method of collecting marketing information, the method comprising:

• providing a processor for communication over a network with a user computer;
• providing a memory in communication with the processor, the memory comprising a data structure, the data structure comprising data corresponding to a plurality of user accounts;
• wherein each of the plurality of user accounts comprises a user account identifier and a financial account identifier corresponding to a financial account, each financial account comprising an account balance;
• receiving, in the processor, a proposed electronic transaction comprising a first user account identifier associated with a first user account, a selection criteria, a message and a maximum payment;
• identifying, in the processor, a second user account that meets the selection criteria;
• wherein the first user account and the second user account are user accounts in the plurality of user accounts, and wherein the second user account comprises a market profile, at least one receipt payment, and a message store;
• determining, in the processor, whether the receipt payment exceeds the maximum payment;
• if the receipt payment exceeds the maximum payment rejecting the proposed transaction;
• if the receipt payment does not exceed the maximum payment:
• (1) delivering the message to the message store associated with the second user account, (2) adjusting the account balance associated with the first user account by a first amount, and (3) after receiving, in the processor, a request to access the delivered message in the message store associated with the second user account, adjusting the account balance associated with the second user account by a second amount;
• and
• storing, in the data structure, information related to the transaction in the market profile associated with the second user account.