Digital communications monetization system

A digital communications monetization system comprising:

• a database comprising a listing of one or more merchants, products, services, brands, and promotions;
• a computer or server that executes specific instructions to implement a referral matcher coupled to said database, and via said referral matcher is configured to accept one or more of text, audio, video, radio-frequency identification (RFID), at least one image;
• process said one or more of said text, said audio, said video, said RFID, said at least one image to form input comprising content therein from a first user and pass said input to an application wherein said application executes on an electronic device used by said first user to generate said input;
• analyze said input and said content from said first user to identify within said input and said content at least one match to said listing to monetize a communication between said first user and one or more second users before said communication is generated,
• wherein said communication comprises said content,
• wherein said analyze said input and said content comprises performing one or more of machine learning, text parsing, image analysis, audio analysis, artificial intelligence, keyword matching and natural language processing to
• identify content within said input that is associated with said one or more of merchants, products, services, brands and promotions in said database of said listing,
• compare said content in said input with said one or more of merchants, products, services, brands and promotions of said listing in said database to identify said at least one match, and
• identify said at least one match with said input to said listing in said database;
• accept an indication from said first user of which of said at least one match to utilize based on said indication from said first user or a previous preference accepted from said first user to yield a selected match;
• generate a referral link as a referral comprising an embedded referral tracking code after said selected match is identified, and that comprises one or more of
• a link configured to lead to one or more of a site associated with said at least one match and said listing,
• wherein said site comprises a destination comprising information related to said referral and to said one or more merchants, products, services, brands, and promotions, and
• an intermediate server that tracks the referral, places tracking information associated with said site on a device associated with said one or more second users, and redirects to said site;
• an identifier of said at least one match;
• and,
• an identifier of said first user;
• and,
• insert said referral link into said communication from said first user to said one or more second users,
• wherein said insert said referral link into said communication comprises augmenting or replacing said content of said communication while keeping an original meaning of said content intact;
• and,
• a referral tracker coupled to said referral link, and via said referral tracker is configured to track usage of said referral link by said one or more second users;
• attribute to said first user an action taken at said site by said one or more second users associated with said usage of said referral link;
• and,
• record a transaction associated with said action.