Abstract: One embodiment of the present invention sets forth a method, which includes receiving a request for specific information, wherein the request is associated with a first reward limit and a second reward limit, determining a first reward amount within the first reward limit based on a number of information providers, receiving personal data and a wager from each of the information providers, distributing the first reward amount to at least one of the information providers in a first phase based on a ranking of relevancy of submitted information by the information providers, and distributing the second reward amount in a second phase based on a result of using the submitted information.