A computer-implemented method of distributing targeted merchant electronic messages to a merchant's remote computer, comprising: receiving traveler information at a targeting messages application; receiving merchant information at the targeted messages module; receiving merchant preference information; determining which merchants to notify by comparing the merchant information and the merchant preference information to the traveler information to determine whether any travelers that have an interest in any products or services provided by the merchants are currently near or projected to be near any of the merchants; electronically transmitting merchant electronic messages to the merchant's remote computer; auditing expense reporting information for the travelers to determine whether at least one of the travelers complete a transaction with the merchant in response to a targeting prompted by the merchant electronic messages; and in response to determining that the at least one traveler completed the transaction, charging the merchant for the merchant electronic messages the prompted the targeting.