The present invention includes a virtual customer database system for delivering personalized services to a consumer operating a communication device. The virtual customer database system includes an administrator and a distributed database. The distributed database may be selectively loaded by the administrator with customer related information extracted from participating businesses. The distributed database includes secure databases associated with each participating business and a public participant database. The administrator may process push and pull service requests by selectively querying the distributed database. Sensitive customer specific information may remain with each corresponding participating business while responses to the requests may include personalized customer specific information provided via a common interface standard.