Abstract: A system transacting e-commerce and related data management, analysis and reporting includes a database, first and second clients, and first through fourth servers communicatively connected to an internet network. The database stores a variety of information relating to customers and has a cost reduction database portion storing cost reduction information. The first and second client have access to the on-line system. The first server maintains a commercial website. The second server supports a consultant interface on the internet network. The third server imports financial information into the database. The fourth server receives purchasing and financial information. The filter generates purchasing options and calculates a purchase price. A first program dynamically displays a cost reduction list. A second program analyzes a customer's purchasing history for cost effectiveness and forecasts future plans for improved purchasing implementation.