1. A computer-implemented method, comprising: providing a computing apparatus having a transaction handler configured in an electronic payment processing network; a data warehouse coupled with the transaction handler; and a portal coupled with the data warehouse; processing, by the transaction handler, transactions in the electronic payment processing network; storing, in the data warehouse, transaction data recording the transactions processed by the transaction handler in the electronic payment processing network; receiving, by the portal, third party data using a communication channel outside the electronic payment processing network; organizing, by the computing apparatus in the data warehouse, the third party data according to community, wherein the third party data includes first data received from a first plurality of entities of a first community, the first data identifying restrictions on marketing access to enrollees of the first community by entities not in the first community, and second data received from a second plurality of entities of a second community, the second data identifying restrictions on marketing access to enrollees of the second community by entities not in the second community; receiving, in the portal outside the electronic payment processing network, a request from a merchant in the second community but not in the first community; and responsive to the request from the merchant in the second community but not in the first community, determining, by the computing apparatus based on the first data stored in the data warehouse, that the merchant is permitted to have marketing access to the enrollees of the first community; identifying, by the computing apparatus, users from the enrollees of the first community, wherein the identifying of the users is in accordance with the first data that identifies the restrictions on marketing access to the enrollees of the first community, and based on the transaction data stored in the data warehouse, and presenting, by the computing apparatus, an offer of the merchant in the second community to the users identified via the transaction data and the first data received from the first plurality of entities of the first community.