Abstract: An apparatus and method for utilizing point-of-sale (POS) data containing geographical data, in conjunction with a consumer database containing consumer insights and propensities and privacy-compliant matching of off-line and on-line data capabilities, delivers a high-speed, targeted message to consumers associated with a particular geographic location. In certain implementations, syndicated data is used. Because the only data that is transferred to the retailer or other customer of the service for electronic messaging is the geographical area of the relevant consumers, the system maintains privacy while simultaneously providing a targeted, high-speed message to such consumers. Technical improvements and efficiencies reduce processing cycles, decrease the number of needed records, speed analytics through integrated systems, and enable action on a timely basis.