A virtual repository system with robust item management automatically derives item data from accessed current and past transactions. The system interfaces with merchant systems to receive current and archived transaction data, scans emails for current and past transaction data, monitors browser data for online transaction data, and accepts manual input. Data obtained from all sources is collated and stored in a cache for user validation, whereupon it is added to a virtual repository. Triggers prompt the delivery of responsive results including information from shared virtual repositories.