CUSTOMERS ON DEMAND

Delivering known consumers to merchants using credit card data accessed via card issuers to provide cash equivalent incentives and predictions of purchasing behavior, not using a global computer information network; computer-assisted matching of merchant incentives to prospective consumers by creating definitions of merchant incentives, analyzing card purchase transactions to match incentives to prospective consumers, and facilitating delivery of incentives to prospective consumers using computers at card issuers and other than a global computer information network