A system and method allows an offeror to identify parameters for determining whether a user could benefit from an offer, and transaction data for each of several users, and the parameters, are used to determine which of several users could benefit from the offer. The offer is presented to those users, along with the data of how the user could benefit, and the system and method allows the user to accept the offer, transmitting information to the offeror or his agent if the user accepts the offer. Payment may be made based on the offers, acceptances, or both.