The present invention provides computer-based systems and methods directed to maintaining a database of user profiles based, respectively, on user interaction with third-party systems. The invention includes the processes of: accessing a unique user profile associated with a unique user; automatically collecting, by an agent module executing on a processor associated with a first system, data associated with the unique user based at least in part on the unique user's interaction with a system unassociated with the first system; evaluating by the processor the collected data and searching available databases to identify potential items of interest to the unique user based at least in part on the unique user profile and the collected data; determining a set of predicted items of interest to the unique user from the identified potential items of interest; and presenting at a display associated with the unique user data representing the set of predicted items of interest. In one implementation, the invention provides an intelligent agent possessing a level of “awareness” concerning individual users associated with user profiles or accounts and is adapted to access private and public databases, websites, resources, and other systems to efficiently collect, filter and deliver / present content and resources of interest to the individual user in a predictive fashion.