a program and method is disclosed for an electronic wallet based upon a centralized personal data base . in the cpdb system merchants obtained customer information by using a primary number and a secondary number given to them by the customer . the cpdb electronic wallet provides a primary number and a wallet number to the merchant to conduct the financial transaction between the user and the merchant . the merchant submits the primary number and the wallet number to the centralized personal data base , the transaction is processed by the cpdb , and the merchant obtains credit for the financial transaction . since the cpdb customer can have several bank accounts and credit cards , multiple wallet numbers can be created . each wallet number can also have a monetary limit set and can be associated with one or financial accounts . an expiration date can be established for each wallet number . transactions can be conducted by authorizing the cpdb to conduct the debit on the customer &# 39 ; s account for the customer purchase and simultaneously credit the merchant account in the cpdb . alternatively , the merchant may obtain credit card information from the centralized personal data base and then the merchant may proceed to charge the credit card in the manner of a traditional credit card transaction .