Abstract: An initiator service executed by a host server manages communications with wireless client devices concerning information accounts centrally stored in a data repository. In response to authenticating a user of a wireless client device, the initiator service may prompt the user to specify information to be retrieved from his information account and to specify a recipient of the retrieved information. The initiator service may then manage the retrieval and distribution of the specified information. The initiator service may also interact with a wireless client device to establish and distribute temporary authorizations to access information accounts. The initiator service may further receive promotion codes from wireless client devices and may query databases for data associated with each promotion code. Data received from the database may be transferred by the initiator service into an information account owned by the user of the wireless client device.

Abstract: Consumers may centrally store, manage and distribute information using an information account stored in a central data repository. The information account is accessible from any client device, without the need to permanently store or install proprietary software thereon. The information account comprises a plurality of consumer information elements stored in a tagged data format. A host server hosts a database management system for accessing the information account. A client-side application may manage communications with host server. Alternatively, the client device may interact with a vendor server that executes a server-side application for managing communications with the host server. In response to a request from the consumer, the host server may filter selected consumer information elements from the information account and transmit the filtered consumer information elements to the client-side or server-side application.

Abstract: Consumer authentication information is associated with an information account stored in a central database, such that access to the information account by the consumer is conditioned upon receipt and verification of the consumer authentication information. A temporary authorization may also be associated with the information account. The temporary authorization has consumer-defined attributes that define access privileges to be granted to a person who presents the temporary authorization along with a request for further access to the information account. The temporary authorization may be transmitted to the consumer for presentation to a third-party of the consumer's choice. Alternately, the temporary authorization may be transmitted to a designated third-party or device on behalf of the consumer.

Abstract: Information accounts stored in a central data repository comprise consumer information elements associated with consumers, which may be stored in a tagged data format. A consumer may have created an information account via an originating vendor's website. The information account may be branded to identify a sponsor, which may be the originating vendor. A vendor server may be a member of an exchange comprising a logical grouping of servers authorized and configured to interact with one or more information accounts, such as differently branded information accounts. The consumer uses a client device to request selected consumer information elements from the information account. The consumer information elements transmitted to the client device may be auto-populated into a web page hosted by the vendor server and may be used to complete a transaction. The custodian of the data repository may share transaction-related revenue with the originating vendor and/or transacting vendor.