1. A method for effectively providing a sales transaction related offering to at least one consumer via an on-line environment for the purpose of providing an advertisement to at least one consumer to purchase one or more products or services via the on-line environment, the method comprising: advertising availability of the sales transaction related offering to the at least one consumer prior to the consumer making a purchase via the on-line environment, the advertising being provided to the at least one consumer via a computer coupled to a server via at least one communication network that at least partially implements the on-line environment; monitoring, by a processor, consumer behavior of the at least one consumer in the on-line environment using code associated with the sales transaction related offering to generate consumer behavior data; and analyzing, by at least one server, the consumer behavior data to determine an impact of a plurality of parameters relating to the sales transaction related offering, wherein the analysis of the consumer behavior data provides information indicating whether or to what extent the sales transaction related offering is an incentive to at least one consumer to purchase one or more products or services via the on-line environment, wherein the monitoring consumer behavior is performed past completion of at least one sales transaction performed in the on-line environment, and wherein the sales transaction related offering includes assuming some or all of one or more party's obligations in the purchase to the benefit of the at least one consumer.