Abstract: A method for making a digital file available to a user at a client device. The method includes receiving the digital file at the client device, the client device having an associated client identifier, receiving a host identifier at the client device, the host identifier associated with the digital file and receiving a host payment identifier at the client device, the host payment identifier associated with the digital file and the host identifier. A product identifier is obtained from the digital file. A cost associated with the digital file is determined. Payment is obtained corresponding to the determined cost. The digital file is made available to a user at the client device.

Abstract: A method and system of aggregating consumer business data such as transactions between a consumer and a pluralityy of vendors. The method includes receiving a request from a consumer to maintain consumer business data in a data warehouse. An electronic receipt is received from a vendor following conclusion of a transaction between the consumer and the vendor. A report is generated at the request of the consumer. The report is provided to the consumer.

Abstract: A method of aggregating consumer reward data. The consumer reward data is generated from a consumer visiting a website. The method includes receiving a request from a consumer to maintain consumer reward data in a data warehouse. Web reward token information is received from a website operator following a visit to the website by the consumer. A request to redeem consumer rewards for goods/services is generated.