[amirmc]

Academia has been thinking about this for a while. I'm involved with several projects that aim to put users in control of their 'digital footprint' and what you've described are two aspects of the work. First is how to collate and access all the data and second is how to allow third parties to query/process that data in a way that respects a users' privacy. [1]

I'm keen to commercialize the work when it's ready but it's a research project precisely because it's a tough problem. Of course, one approach is to just make that personal info public but I don't think that will really benefit users in the long term (companies would certainly benefit, though)

[1] http://perscon.net/overview/dataware.html