DISRUPTIVELY PRICED OR FREE FINANCIAL SERVICES OR ITEMS IN EXCHANGE FOR PARTICIPATION IN OPT IN ADVERTISING

摘要

An electronic payment system is provided which provides monetary rewards in exchange for participation in opt-in advertising. The electronic payment system is configured to receive an indication that a user is initiating participation in opt-in advertising. The advertising is sent to the user from the electronic payment system in exchange for a monetary reward. In most cases, the user will have a mobile wallet account at the electronic payment system. The electronic payment system then sends advertisements to a mobile wallet application running on a digital device of the user, determines an appropriate monetary reward based on the number and/or type of advertisements sent to the user's mobile wallet application, and provides the determined monetary reward to the user via the mobile wallet application on the user's digital device.