Abstract: A software agent for locally tracking a user's network interaction, such as web browsing, and providing targeted promotions with optional coupons to the user. The monitoring involves use of a downloaded file of network addresses and words potentially tailored to each individual user. The software agent locally compares addresses of sites accessed and words used in searching to the stored addresses and key words in the file. Upon detecting a match, the software agent contacts a system server to obtain a promotion with an optional coupon for the match, and displays an indication of the promotion or coupon to the user, providing the user with the option to view or decline the promotion. The user is provided with redeemable credits for viewing promotions, which can include transferring the user to a site of a merchant offering the promotion.