Abstract: A system for electronic commerce (10) having personal agents (12 and 13) that represent consumers and providers in a virtual marketplace (28). Consumer personal agents conceal the identity of the consumer and are capable of creating decision agents (14) that shop for products and assist consumers in comparing and ranking products. Provider personal agents are capable of creating demand agents (16) that quantify demand and target specific consumers without learning the identity of the consumers. Based on data generated by the activities of the decision agents and on preference data maintained by consumer personal agents, provider personal agents can quantify current, historical, and future demand, simulate demand, and target specific consumers for advertising and other messages. Provider personal agents can cooperate with consumer personal agents to collect data about reasons for sales and lost sales and to offer consideration payments to consumers.

Abstract: One aspect of the invention relates to a technique for effecting payment, and involves: presenting a portable device; and causing the portable device to output a pseudo payment code.

Abstract: A method is provided for separating people from direct access to personally identifiable information. The method involves use of a rules-based section which selectively blocks access to personally identifiable information where the access fails to comply with specified rules, and which selectively permits access to personally identifiable information where the access abides with the specified rules.