Abstract: System that determines when a user is about to make a purchase, and that activates a monetization offer available for the purchase, such as a discount or cashback, and selects a payment method for completing the transaction. The system accesses a database of the user's payment methods, such as credit cards or funds transfer accounts. The database may contain any information needed for payment, such as account numbers, names, addresses, expiration dates, and verification codes. Some payment methods may be associated with additional benefits such as cashback offers or points. When an application reaches a screen associated with payment, the system automatically populates the application with payment information. Some payment methods may support one-time use account numbers, and the system may automatically retrieve and enter these numbers. A link to the selected monetization offer is inserted into the application so the offer is activated and applied after completing purchase.

Abstract: System that enables a user to share a referral link to content obtained from the user interface of an application user is using. When recipient uses the link (for example by purchasing a product), user who shared the link may receive a commission. System may monitor an application user interface, by subscribing to events broadcast by the operating system when the user interface changes. For a web browser, the system may analyze events to extract the URL of the page being browsed, and compare this URL to a database of merchants or services that support referrals. When the URL matches a database entry, the system may present a sharing menu that allows the user to share a referral link via email, text, social media, or other sharing service. The user may also be able to use the referral link directly to receive a credit for his or her own purchase.

Abstract: System that enables a user to share a referral link to content obtained from the user interface of an application user is using. When recipient uses the link (for example by purchasing a product), user who shared the link may receive a commission. System may monitor an application user interface, by subscribing to events broadcast by the operating system when the user interface changes. For a web browser, the system may analyze events to extract the URL of the page being browsed, and compare this URL to a database of merchants or services that support referrals. When the URL matches a database entry, the system may present a sharing menu that allows the user to share a referral link via email, text, social media, or other sharing service. The user may also be able to use the referral link directly to receive a credit for his or her own purchase.

Abstract: System that enables a user to share a referral link to content obtained from the user interface of an application user is using. When recipient uses the link (for example by purchasing a product), user who shared the link may receive a commission. System may monitor an application user interface, by subscribing to events broadcast by the operating system when the user interface changes. For a web browser, the system may analyze events to extract the URL of the page being browsed, and compare this URL to a database of merchants or services that support referrals. When the URL matches a database entry, the system may present a sharing menu that allows the user to share a referral link via email, text, social media, or other sharing service. The user may also be able to use the referral link directly to receive a credit for his or her own purchase.

Abstract: System that enables a user to share a referral link to content obtained from the user interface of an application user is using. When recipient uses the link (for example by purchasing a product), user who shared the link may receive a commission. System may monitor an application user interface, by subscribing to events broadcast by the operating system when the user interface changes. For a web browser, the system may analyze events to extract the URL of the page being browsed, and compare this URL to a database of merchants or services that support referrals. When the URL matches a database entry, the system may present a sharing menu that allows the user to share a referral link via email, text, social media, or other sharing service. The user may also be able to use the referral link directly to receive a credit for his or her own purchase.

Abstract: A system that automatically matches images to items like products or brands and augments those images with referral links to web pages associated with those items. Image analysis to determine matching items may for example recognize text within an image, decode barcodes or QR codes in an image, and identify objects within an image. Links may be inserted into a message containing an image, such as a text message or email, at a messaging gateway without any action on the part of the sender (or receiver) of a message. Senders or receivers may opt out of or into the link insertion service. When the recipient of a message containing a matched image clicks an inserted link and performs a transaction, a referral credit may be given to the message sender, the message recipient, or a communication intermediary.

Abstract: A system that automatically matches images to items like products or brands and augments those images with referral links to web pages associated with those items. Image analysis to determine matching items may for example recognize text within an image, decode barcodes or QR codes in an image, and identify objects within an image. Links may be inserted into a message containing an image, such as a text message or email, at a messaging gateway without any action on the part of the sender (or receiver) of a message. Senders or receivers may opt out of or into the link insertion service. When the recipient of a message containing a matched image clicks an inserted link and performs a transaction, a referral credit may be given to the message sender, the message recipient, or a communication intermediary.

Abstract: A system that automatically detects references to items like products or brands within messages and replaces those references with referral links to web pages associated with those items. Links may be inserted into a message, such as a text message or email, at a messaging gateway without any action on the part of the sender (or receiver) of a message. Senders or receivers may opt out of or into the link insertion service. The system provides privacy and security because personal information identifying the sender or receiver is not passed to the link insertion service. When the recipient of a message clicks an inserted link and performs a transaction, a referral credit is given to the communication intermediary, and also potentially to the message sender or recipient. The system may analyze modifiers in the message to construct a link to a specific product or service at a website.

Abstract: A system that automatically detects references to items like products or brands within messages and replaces those references with referral links to web pages associated with those items. Links may be inserted into a message, such as a text message or email, at a messaging gateway without any action on the part of the sender (or receiver) of a message. Senders or receivers may opt out of or into the link insertion service. The system provides privacy and security because personal information identifying the sender or receiver is not passed to the link insertion service. When the recipient of a message clicks an inserted link and performs a transaction, a referral credit is given to the communication intermediary, and also potentially to the message sender or recipient. The system may analyze modifiers in the message to construct a link to a specific product or service at a website.

Abstract: A referral tracking and reward system for shared links system that inserts trackable referral links into communications from a referring user to one or more recipients, and receives a fee from merchants for actions or transactions resulting from these referrals. A portion of the fee may be remitted to the referring user or to another designee. The system may be integrated into one or more communications applications. It analyzes message content to identify matches from a database of products, services, merchants, brands, and promotions, and offers the user the option to insert a referral link to matching items. The system may incorporate algorithms and business strategies that analyze characteristics of the user, recipient, content, merchants and items in order to prioritize and determine which referrals should be inserting into a communication.

Abstract: A virtual keyboard trackable referral system that inserts trackable referral links into communications from a referring user to one or more recipients, and credits the referring user for actions or transactions resulting from these referrals. Uses a referral matcher coupled with a virtual keyboard, so that it is usable with any application or service that uses the keyboard. The referral matcher analyzes text or audio input to identify matches from a database of participating products, services, and merchants, and offers the user the option to insert a referral link to matching items. The matcher may also obtain and analyze other input, including audio or images. If a recipient uses the referral link and completes the action, a referral tracker credits the referring user. Referral links may initially direct a recipient to an intermediate server that may perform additional matching and selection and then redirect the recipient to a target destination.

Abstract: A digital communications monetization system that includes a referral matcher that analyzes input from a first user to identify within the input at least one match to merchants, products, services, brands, and promotions, etc., to generate a referral link that comprises one or more of a link that leads to a site associated with the match or an intermediate server that redirects to the site, wherein the referral link includes an identifier to the match and the first user and wherein the referral matcher inserts the referral link into a communication from said first user to one or more second user. The system also includes a referral tracker that tracks the usage of the referral link by at least one second user and attributes, to the first user, an action that takes place at the site by the at least one second user that uses the referral link.

Abstract: A virtual keyboard trackable referral system that inserts trackable referral links into communications from a referring user to one or more recipients, and credits the referring user for actions or transactions resulting from these referrals. Uses a referral matcher coupled with a virtual keyboard, so that it is usable with any application or service that uses the keyboard. The referral matcher analyzes text or audio input to identify matches from a database of participating products, services, and merchants, and offers the user the option to insert a referral link to matching items. The matcher may also obtain and analyze other input, including audio or images. If a recipient uses the referral link and completes the action, a referral tracker credits the referring user. Referral links may initially direct a recipient to an intermediate server that may perform additional matching and selection and then redirect the recipient to a target destination.

Abstract: A digital communications monetization system that includes a referral matcher that analyzes input from a first user to identify within the input at least one match to merchants, products, services, brands, and promotions, etc., to generate a referral link that comprises one or more of a link that leads to a site associated with the match or an intermediate server that redirects to the site, wherein the referral link includes an identifier to the match and the first user and wherein the referral matcher inserts the referral link into a communication from said first user to one or more second user. The system also includes a referral tracker that tracks the usage of the referral link by at least one second user and attributes, to the first user, an action that takes place at the site by the at least one second user that uses the referral link.

Abstract: A referral tracking and reward system for shared links system that inserts trackable referral links into communications from a referring user to one or more recipients, and receives a fee from merchants for actions or transactions resulting from these referrals. A portion of the fee may be remitted to the referring user or to another designee. The system may be integrated into one or more communications applications. It analyzes message content to identify matches from a database of products, services, merchants, brands, and promotions, and offers the user the option to insert a referral link to matching items. The system may incorporate algorithms and business strategies that analyze characteristics of the user, recipient, content, merchants and items in order to prioritize and determine which referrals should be inserting into a communication.