Abstract: A computerized system can be configured to gather data about customers and create targeted advertisements. To do so, the system can receive characteristics of a customer that are provided from a source other than the customer, such as another human source located at a point of sale. Additionally, in at least one implementation, a user (e.g., the user at the point-of-sale, an owner of a retail establishment) can create a marketing message that is directed to customers that are associated with specific characteristics.