Abstract: A system and method is provided for an on-demand advertising information vault so that advertisers may establish accounts for distributing advertisements on-line to potential subscribers. The on-demand information vault also provides for consumers to subscribe to advertisements from advertisers based on the consumer's preferences of categories of products or services. An advertiser may also establish rewards for viewing their advertisements for inducing consumers to subscribe to their advertising service. In this way, a consumer may agree to receive only certain types of advertisements and receive remuneration for viewing the advertisements. The vault mechanisms may also provide for protecting the identities of the consumer and advertiser and avoids misusing personal data by others by employing security measures.

Abstract: A system and method for providing an information vault so that individual owners of personal data may control and manage the access and dissemination of the personal data and provides for the owner of the personal data to receive compensation for the use of the personal data, thus, in effect, the personal data becomes a valuable commodity analogous to money. A business model is provided that allows competitive, unbiased trusted third parties whose business is protecting the information analogous to how a commercial bank protects money. Centralized protected storage of personal data is provided, thereby minimizing the number of copies that may be in existence. Second party access to the centralized storage of personal data may be made on-demand, as required for commerce, with a provision for assessing fees for accesses.