REAL-TIME FINANCIAL SYSTEM ADS SHARING SYSTEM

摘要

A method, system, and computer readable medium for automatically selecting target consumers and delivering business-initiated messages to the selected target consumers, as well as automatically selecting target businesses and delivering consumer-initiated messages to the selected target businesses. In particular, financial management applications used by the businesses and consumers are employed in targeting and delivering the business-initiated messages and consumer-initiated messages.

主权项

1. A system for targeted communication, comprising:
a computer processor; a commerce platform configured to perform a plurality of financial transactions, wherein the plurality of financial transactions comprise payments from a plurality of consumers in exchange for goods and services provided by a plurality of businesses; a financial management server separate from the commerce platform and comprising:
a personal financial management application (PFMA) used by the plurality of consumers, when executed causing the computer processor to:
generate a consumer user profile for each of the plurality of consumers,access, based on a consumer user input from a consumer of the plurality of consumers, consumer transaction records representing a portion of the financial transactions associated with the consumer, anddisplay, to the consumer, a business-initiated message received from a targeted communication application (TCA);a business financial management application (BFMA) used by the plurality of businesses, when executed causing the computer processor to:
generate a business user profile for each of the plurality of businesses, andaccess, based on a business user input from a business of the plurality of businesses, business transaction records representing a portion of the financial transactions associated with the business,wherein the TCA when executed causing the computer processor to:
receive, from the business, the business-initiated message that is generated by the business to selectively target the plurality of consumers;determine a first match by comparing the business-initiated message with respect to the consumer user profile of the consumer and the consumer transaction records of the consumer;send the business-initiated message to the consumer via the PFMA based on the first match, wherein the business-initiated message invites the consumer to engage in a first additional financial transaction with the business using the commerce platform; anda repository for storing:
a plurality of business-initiated messages from the plurality of businesses.