Abstract: An e-service interactive web-portal providing a method and system that enables consumers to selectively perform point-of-sales (POS) transactions through an e-financial agent which allows payments to be made without having to utilize cash, credit/debit cards or checks, to manage and access electronic personal documents over mobile devices, and to create a virtual/mirror image of a mobile device's stored information (contacts, calendar entries, music, photos, ring tones, etc.) with options to duplicate a mobile device's content onto another device in case of theft, loss or damage, and/or make VoIP phone calls through the virtual mobile device.