A system and method that utilizes knowledge representation system to express relationships among consumers, between consumers and businesses, within a specific business, and across businesses. The system and method supports defining which businesses consumers patronize, which locations they prefer, interactions with other consumers, and what products and services they intend to secure from what businesses. The system supports defining how businesses are structured, what businesses are similar, and how businesses relate both to consumers and to other businesses. By combining this consumer knowledge and business knowledge the system enables a number of mutually compatible applications across a matrix of consumer and business interactions (consumer-to-consumer, consumer-to-business, and business-to-business.).