Real-time financial system advertisement sharing system

Abstract

A system for targeted communication includes a computer processor and a platform configured to perform transactions between first users and second users. A management server is separate from the platform. The management server includes a first management application used by the first users and configured to generate a first user profile for each of the first users and a second management application used by the second users. The second management application, logically separate from the first management application, is configured to generate a second user profile for each of the second users. The management server also includes a third application configured to permit the first application to communicate with the second application through the third application and to enable targeted communication, between the first users and the second users, based on the first user profile and the second user profile.

What is claimed is: 
     
         1 . A system for targeted communication, comprising:
 a computer processor;   a platform configured to perform a plurality of transactions between a first plurality of users and a second plurality of users;   a management server separate from the platform and comprising:
 a first application used by the first plurality of users, wherein the first application is further configured to:
 generate a first user profile for each of the first plurality of users; 
 
 a second application used by the second plurality of users, wherein the second application is further configured to:
 generate a second user profile for each of the second plurality of users, 
 wherein the first application is logically separate from the second application; and 
 
 a third application configured, when executed by the computer processor, to:
 permit the first application to communicate with the second application through the third application; and 
 enable targeted communication, between the first plurality of users using the first application and the second plurality of users using the second application, based on the first user profile and the second user profile. 
 
   
     
     
         2 . The system of  claim 1 , wherein the third application is configured to permit the first application to communicate with the second application through the third application and to enable the targeted communication by being configured to:
 establish a match by matching first information from the first application to second information from the second application based on the first user profile and the second user profile; and   transmit a third message from the first application to the second application based on the match.   
     
     
         3 . The system of  claim 1 , wherein the third application is configured to permit the first application to communicate with the second application through the third application and to enable the targeted communication by being configured to:
 establish a match by matching first information from the first application to second information from the second application based on the first user profile and the second user profile; and   transmit a third message from the second application to the first application based on the match and further based on a first user profile for each of the first plurality of users and a second user profile for each of the second plurality of users.   
     
     
         4 . The system of  claim 1 , wherein:
 the first application comprise a personal financial management application (PFMA),   the second application comprises a business financial management application (BFMA), and   the third application comprises a targeted communications application (TCA).   
     
     
         5 . The system of  claim 1 , wherein:
 the first application is further configured to access, based on input from the first plurality of users, first transaction records representing transactions associated with the first plurality of users,   the second application is further configured to access, based on input from the second plurality of users, second transaction records representing transactions associated with the second plurality of users, and   the third application is further configured to enable targeted communication, between the first plurality of users using the first application and the second plurality of users using the second application, based on all of the first user profile, the second user profile, the first transaction records, and the second transaction records.   
     
     
         6 . The system of  claim 1 , wherein:
 the targeted communication is further sent based on a reputation score resulting from a click-through rate associated with one or more previous messages sent via the third application.   
     
     
         7 . The system of  claim 1 , wherein:
 the third application is further configured to analyze responses to messages transmitted via the third application to generate a score proportional to a conversion rate associated with the responses, and   sending messages from the second application to the first application via the third application is further based on the score.   
     
     
         8 . A method for targeted communication, comprising:
 executing a first management application, a second management application, and a communication application on a management server, wherein the first management application, the second management application, and the communication application are logically distinct from each other;   receiving, by the communication application, information regarding a plurality of transactions between a first plurality of users and a second plurality of users, wherein:
 the first plurality of users use information regarding the plurality of transactions on the first management application, and 
 the second plurality of users use information regarding the plurality of transactions on the second management application; 
   permitting, by the communication application, the first management application to communicate with the second management application through the communication application; and   enabling, by the communication application, targeted communication between the first plurality of users using the first management application and the second plurality of users using the second management application, based on the plurality of transactions.   
     
     
         9 . The method of  claim 8 , wherein permitting and enabling are further performed by:
 establishing a match by matching a first plurality of transactions recorded on the first management application to a second plurality of transactions recorded on the second management application; and   transmitting a message from the first management application to the second management application based on the match.   
     
     
         10 . The method of  claim 8 , wherein permitting and enabling are further performed by:
 establishing a match by matching a first plurality of transactions recorded on the first management application to a second plurality of transactions recorded on the second management application; and   transmitting a message from the first management application to the second management application based on the match and further based on a first user profile for each of the first plurality of users and a second user profile for each of the second plurality of users.   
     
     
         11 . The method of  claim 10 , further comprising:
 establishing, using the first management application, the first user profile;   communicating the first user profile from the first management application to the communication application;   establishing, using the second management application, the second user profile; and   communicating the second user profile from the second management application to the communication application.   
     
     
         12 . The method of  claim 11 , wherein:
 the first management application comprise a personal financial management application (PFMA),   the second management application comprises a business financial management application (BFMA), and   the communication application comprises a targeted communications application (TCA).   
     
     
         13 . The method of  claim 10 , wherein:
 accessing, by the first application based on input from the first plurality of users, first transaction records representing the plurality of transactions,   accessing, by the second application, based on input from the second plurality of users, second transaction records representing the plurality of transactions, and   the third application further enables targeted communication, between the first plurality of users and the second plurality of users, based on all of the first user profile, the second user profile, the first transaction records, and the second transaction records.   
     
     
         14 . The method of  claim 10 , wherein:
 enabling the targeted communication is further based on a reputation score resulting from a click-through rate associated with one or more previous messages sent via the third application.   
     
     
         15 . The method of  claim 10 , further comprising:
 analyzing, by the third application, responses to messages transmitted via the third application to generate a score proportional to a conversion rate associated with the responses, and   wherein enabling targeted communication is further based on the score.   
     
     
         16 . 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 comprises 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 to electronically manage personal finances of the plurality of consumers, wherein the PFMA is further configured to:
 generate a consumer user profile for each of the plurality of consumers, and 
 generate consumer transaction records representing a portion of the plurality of financial transactions associated with the plurality of consumers; 
 
 a business financial management application (BFMA) used by the plurality of businesses to electronically manage business finances of the plurality of businesses, wherein the BFMA is further configured to:
 generate a business user profile for each of the plurality of businesses, and 
 generate business transaction records representing a portion of the plurality of financial transactions associated with the plurality of businesses, 
 wherein the BFMA is logically separate from the PFMA; and 
 
 a targeted communication application (TCA) configured, when executed by the computer processor, to:
 permit the PFMA to communicate with the BFMA through the TCA; and 
 enable targeted communication, between the plurality of consumers using the PFMA and the plurality of businesses using the BFMA, based on the consumer user profile, the business user profile, the consumer transaction records, and the business transaction records. 
 
   
     
     
         17 . The system of  claim 16 ,
 wherein a business initiated message is sent to a consumer of the plurality of consumers via the PFMA within a pre-determined time period from a business generating the business initiated message, and   wherein a consumer initiated message is sent to the business in the plurality of businesses via the BFMA within the pre-determined time period from the consumer generating the consumer initiated message.   
     
     
         18 . The system of  claim 17 , wherein the TCA, when executed, further causes the computer processor to:
 analyze a responses of the plurality of businesses to the consumer initiated message from the consumer to generate a consumer score of the consumer,   wherein the consumer score is proportional to a conversion rate associated with these responses, and   wherein sending the business initiated message to the consumer via the PFMA is further based on the consumer score.   
     
     
         19 . The system of  claim 17 , wherein the TCA, when executed, further causes the computer processor to:
 analyze responses of the plurality of consumers to a portion of a plurality of business initiated messages from the business to generate a business score of the business,   wherein the business score is proportional to a conversion rate associated with these responses, and   wherein sending the consumer initiated message to the business via the BFMA is further based on the business score.   
     
     
         20 . The system of  claim 17 , wherein the TCA, when executed, further causes the computer processor to:
 identify a portion of a plurality of consumer initiated messages from the consumer; and   determine a match between the plurality of consumers and the plurality of businesses by comparing the business initiated message and the portion of the plurality of consumer initiated messages.