Abstract: An agent based electronic commerce system and method for automatically populating a device such as a digital wallet with bank, credit or other consumer information. The system includes a data-transaction device that is capable of directly or indirectly connecting with a transaction and information processing clearing house. The transaction and information processing clearing house serves as an information repository as well as facilitating information gathering for selected user accounts. The user can automatically populate numerous devices in various locations with updated information without intervention. In one embodiment the user can conduct electronic commerce transactions automatically or singly with a financial processing mechanism associated with the transaction and information processing clearing house.

Abstract: A system and method for conducting electronic commerce transactions in which the electronic receipt and use of incentives is facilitated. By way of example, and not of limitation, the transactions are executed through a transaction clearing house mechanism and at least a portion of the exchange units associated with said transaction may be transacted to or from an escrow account that is associated with the transaction clearing house mechanism. An exchange rate mechanism automatically provides for the conversion of units of exchange that differ between the user and vendor. The system provides for the automatic, no-click, payment of invoices and bills, in addition to automatic purchases according to user preferences. Incentive programs are facilitated within the system between the user and vendor communities while preferably maintaining user anonymity.