CHANNEL BASED COMMUNICATION AND TRANSACTION SYSTEM

System and methods are provided for receiving identification information from remote user devices associated with users. The identification information serves to obtain corresponding stored user profiles. Primary communication channels are generated for each user based upon their profiles. Each such primary channel is limited to communication with, and facilitates electronic communication between, a single corresponding enterprise data source, and users. For each respective primary channel in a subset of the primary channels of a first user, a corresponding plurality of sub-channels is generated based upon their profile. Each such plurality of sub-channels forms a corresponding hierarchical tree with the corresponding primary channel as root node and the sub-channels as child nodes. A sub-channel in a hierarchy of sub-channels enables secure bidirectional communication between (i) the remote user device associated with the first user and (ii) the enterprise data source associated with the primary channel of the hierarchy.