Abstract: A unified system, software and methods for facilitating the transaction of business in which consumers, individuals or entities, sell their present and potential buying power to a clearing house or client transaction broker that first buys the buying power from the consumer and then may sell it to various companies and merchants. The clearing house evaluates each consumer's purchasing potential or buying power to determine the type, quantity and the monetary value of the transactions which the consumer will conduct during a given period of time. The buying power or purchasing potential is further used as a basis for determining cash value or compensation that may be paid up-front or guaranteed to be paid according to an agreed-upon schedule, method, type and form of payment. The consumer is presented with an diversified plurality of options for receiving the agreed-upon compensation in exchange for the consumer's obligation to transact with companies and merchants affiliated with the clearing house.