An intelligent agent executes tasks by using intelligent agent learning modules which store information necessary to execute the tasks. A computer receives a command to execute a task or receives data which causes a task request to be generated. The computer accesses appropriate information in the learning modules to execute the task, and outputs instructions for output devices to execute the tasks. The tasks may be executed at a future time and on a periodic basis. The learning modules build up a database of information from previously executed tasks, and the database is used to assist in executing future tasks. The tasks include physical commercial transactions. Portions of the intelligent agent may be remotely located and interconnected via remote communication devices.