The consumer 126 and the subscribing entity 120 can interact with the consumer profiling computing system 100 via a variety of other electronic communications techniques, such as, without limitation, HTTP requests. The electronic communications can be generated by a specialized application executed on the computing devices 136, 137 or can be generated using one or more applications that are generally standard to the computing devices 136, 137. The applications can include or be implemented as executable computer program instructions stored on computer-readable storage media such as volatile or non-volatile memory capable of being retrieved and executed by a processor to provide operations for the computing devices 136, 137. The memory can also store various databases and/or other types of data structures (e.g., arrays, files, tables, records) for storing data for use by the processor and/or other elements of computing devices 136, 137.

As shown in FIG. 1, the consumer profiling computing system 100 can include several computer servers and databases. For example, the consumer profiling computing system 100 can include one or more web servers 138, application servers 140, and/or any other type of servers. For convenience, only one web server 138 and one application server 140 are shown in FIG. 1, although it should be recognized that the disclosure is not so limited. The servers can cause content to be sent to the to the computing devices 136, 137 in any number of formats, such as text-based messages, multimedia message, email messages, smart phone notifications, web pages, and so forth. The servers 138, 140 can comprise processors (e.g., CPUs), memory units (e.g., RAM, ROM), non-volatile storage systems (e.g., hard disk drive systems), etc. The servers 138, 140 can utilize operating systems, such as Solaris, Linux, or Windows Server operating systems, for example.

The web server 138 can provide a graphical web user interface through which various users of the system can interact with the consumer profiling computing system 100. The web server 138 can accept requests, such as HTTP requests, from clients (such as respective web browsers on the computing devices 136, 137), and serve the clients responses, such as HTTP responses, along with optional data content, such as web pages (e.g., HTML documents) and linked objects (such as images, video, and so forth).

The application server 140 can provide a user interface for users who do not communicate with the consumer profiling computing system 100 using a web browser. Such users can have special software installed on their computing devices 136, 137 that allows them to communicate with the application server 140 via the network. Such software can be downloaded, for example, from the consumer profiling computing system 100, or other software application provider, over the network to computing devices 136, 137.

Although FIG. 1 depicts a limited number of elements for purposes of illustration, it can be appreciated that the consumer profiling computing system 100 can include more or less elements as well as other types of elements in accordance with the described embodiments. Elements of the consumer profiling computing system 100 can include physical or logical entities for communicating information implemented as hardware components (e.g., computing devices, processors, logic devices), executable computer program instructions (e.g., firmware, software) to be executed by various hardware components, or combination thereof, as desired for a given set of design parameters or performance constraints.

Once the consumer's transaction data is stored in the transaction data database 134, a consumer profile report can be generated from the transaction data and provided to the subscribing entity 120. As described in more detail below, the consumer profile report can be certified such that the authentication of the information provided within the report is verified. In some embodiments, the consumer profile report is used to aid in implementing certain consumer marketing initiatives, such as targeted marketing and loyalty rewards programs, for example, or perform other types of consumer research.

Since the consumer profile report can be comprised of the consumer's transaction data, the consumer 126 can be given the opportunity to select whether, and to what extent, certain transaction data is available for inclusion in the consumer profile report. The consumer can select the transaction data available for the consumer profile report. By providing the consumer 126 the ability to selectively determine which transaction data is available for reporting purposes, the consumer 126 can improve the integrity of marketing/offers from subscribing entities directed to the consumer 126. In some embodiments, the transaction data stored in the transaction data database 134 remains unavailable for reporting until the consumer 126 actively selects which transaction data should be available for inclusion in the consumer profile report (i.e., using an opt-in protocol). In some embodiments, the transaction data stored in the transaction data database 134 is available for reporting until the consumer 126 actively selects which transaction data should be not be available for inclusion in the consumer profile report (i.e., using an opt-out protocol). In some embodiments, the consumer 126 can establish various processing rules that opt-in certain types of transactions and opt-out other types of transactions. Such rules can be, for example, based on the merchant at which the transaction was originated. Some rules can be used to protect privacy of the consumer, such as rules regarding medical-based expenditures, or other data that may be subject to the Health Insurance Portability and Accountability Act (HIPAA) regulations. In any event, once the consumer 126 completes the selections, those selections can be received by the profiling computing system 100 and stored (e.g., in the transaction data database 134).

In one embodiment, the consumer 126 can select the transaction data using the computing device 136. FIG. 2 depicts an example simplified graphical user interface 142 that is presented on a display 144 of the computing device 136. This graphical user interface 142 can be presented using hypertext markup language (HTML) and Java scripts, or a dedicated applet or application, or any other suitable interfacing means as would be known or understood in the art. Further, as is to be readily appreciated, the particular layout and design of the graphical user interface 142 can vary without departing from the scope of the present disclosure. Various transaction records 146, 148, 150, 152, 154 can be displayed for one of the consumer's financial accounts (e.g., a demand deposit account or a payment vehicle account) within the graphical user interface 142. Each of the transaction records 146, 148, 150, 152, 154 are shown to display a date, merchant, and transaction amount from the transaction data stored in the transaction data database 134. It will be appreciated, however, that a transaction record can include any additional or alternative transaction data from the transaction data database 134. Each of the transaction records 146, 148