Per user file security? (Willing to pay $$$ for solution)

I am developing a WordPress site and trying to implement the following use case:

1.) Administrator uploads files via ftp. Files are prefixed with a users name, ie joebloggs_report2009.pdf, or user1_report2009.pdf.

2.) Users can login to the site, and download files that correspond to them. Files that do not respond to that user should not be accessible. I was thinking that they would be able to view a list of these files on a page ‘My Files’ or something like that.

I’ve looked around on the web and there are a few plugins that restrict access to files, but generally it happens via roles (ie freeSubcriber, payingSubscriber). I need file security on a *per user* level. I also need the file security to be automatically applied based on the prefix of the filename (User1 can only download files prefixed with ‘User1_’).

The Private Files plugin is the closest I have found to this functionality, but it does not work on a per user level and the security must be manually applied. Perhaps someone more knowledgeable than me can modify this plugin to achieve the desired behaviour.

I am open to suggestions about how to acheive this functionality. If you can help please contact me and we can converse via email or Skype. I need this development done very quickly and am willing to have this reflected in the consulting rate.