Abstract: A system for managing tailored marketing to users of wireless devices adapted to wirelessly access a computer network. The system includes a user database storing a plurality of user data, each user data including a user identifier and a device identifier that identifies a wireless device of a user. A management module transmits marketing information to a selected wireless device, and receives an identifier of a financial account that was used to perform a financial transaction in response to the marketing information transmitted to the selected wireless device. The module stores this identifier in the user database so as to associate the selected wireless device to the received financial account identifier. The financial account identifier can now be used to obtain personal information about the user such as the user's purchase history to generate tailored marketing information to the selected wireless device.

Abstract: A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.