There’s a chat for that: Apple’s biggest platform opportunity yet
Matt Galligan
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You should really check the Chinese application Wechat, they have done this about two years ago. And we called it “Wechat Public Platform”, lots of functions you mentioned above have been realized several months even years ago. The link is here: https://mp.weixin.qq.com

Unfortunately, it seems they do not have an english page for that platform, but if you want to know more about it I would like to provide some help.