1. A networked database management system (DBMS), comprising: a computer accessible data storage, comprising a database remotely located from a plurality of consumers and a plurality of merchants, wherein the remote database comprises: a plurality of records including user data for the plurality of consumers, each record comprising a plurality of fields for data related to one of the plurality of consumers, the plurality of fields comprising: user profile information of the one consumer, wherein the user profile information comprises at least an economic status code of the one consumer; a user defined interest of the one consumer, and access control list data, wherein the access control list is specified by the one consumer and comprises identification information for the plurality of merchants having products or services corresponding to one or more user defined interests, and a plurality of additional records, each additional record including inventory data of one of the plurality of merchants; a communication module in data communication with the data storage and configured to receive user profile information and user defined interest from the one consumer for storage in the remote database; a matching module in data communication with the data storage and configured to perform a search on the remote database for merchants which have inventory data matching the user defined interest of the one consumer and to selectively grant to one or more of the merchants access to the user profile information and the user defined interest of the one consumer stored in the remote database, based at least in part on the access control list specified by the one consumer; and wherein after granting access to the data storage by one of the merchants: one of the merchants having been granted access to user data based on matching is determined to be a proximate distance from a mobile device of the one consumer; the economic status code of the one consumer is received by the proximate merchant from the mobile device; and a custom offer is sent from the proximate merchant relating to a match between the user defined interest and merchant inventory, wherein the communication and matching modules are executable by a processor.