XUVI

Computer e-commerce software for determining consumer home economic profiles to form selected virtual marketplace communities; computer e-commerce software for obtaining, validating, analyzing, and categorizing a consumer's spending data to match the consumer with vendors and other consumers based on the consumer's spending habits

On-line trading services that matches a consumer with vendors and other consumers based on the consumer's spending habits; on-line trading services that matches a consumer with vendors and other consumers based on the consumer's spending habits to create a virtual marketplace community and facilitates on-line trading within the virtual marketplace community