ENTERPRISE SYSTEM, METHOD AND COMPUTER PROGRAM PRODUCT FOR AGGREGATING AND PRO RATING EXPENSES ACROSS MEMBERS OF A NETWORKED VIRTUAL COLLECTIVE

摘要

A computer program product, system and method are disclosed for aggregating expenses incurred by members of a group of commonly acquainted parties (the parties comprising individuals, entities, or organizations), and for collecting pro rated funds from each member. The parties are brought into communication by a computerized central managing forum, communicating via a network, which acts as a fiduciary of the parties and uses a uniquely configured data processing device which prompts the interconnected parties to remit pro rated payments of digitized bills stored and made digitally available by the central managing forum to the parties. Members network and generate pictures that are pertinent to products or services that benefit the collective. Merchants analyze personal information of members, and networking activity between members to provide discount offers accordingly. Additional embodiments of the invention include a uniquely configured classified listing service, and notification service for special consumer offers.