Abstract: The transaction processing method is a computer-implemented method capable of logging events related to a consumer at a point of transaction. The event logging is performed at a transaction processing center. The transaction processing center can log such events as: receipts generated by a plurality of merchants doing business with the consumer; cash transactions generated at a plurality of cash transaction venues visited by the consumer; credit transactions generated by a plurality of creditors of the consumer; and non-financial events associated with the consumer. The events are reported to the transaction processing center by a plurality of associate members who contract with the center to provide the data. For each consumer, the event data can be stored in journal format on a server and made available for search, retrieval, display, and documentation by consumers who sign up to receive their journal information.