Monitoring system and device with sensors that are responsive to skin pigmentation

A system for using data based on user habit information or user monitoring, comprising:

• a wearable monitoring device with one or more sensors that detect or measure user information selected from of at least one of, a user's activities, behaviors and habit information, and a user's health, the monitoring device including circuitry that provides at least identification of the monitoring device, a communication system which reads and transmits an identification of the monitoring device, and a pathway system;
• a telemetry system with a database of user ID's and in communication with the monitoring device;
• an electronic device coupled to the wearable device structure, the electronic device including, one or more haptic device sensors that accepts input from the user based on haptic motion, one or more accelerometers, a search module to search for text, a graphics module and one or more proximity sensors, a payment activity manager and the electronic device configured to receive updates wirelessly, the payment activity manager configured to receive from a user payment configuration parameters for each of a designated third party to receive payments, the payment activity manager including a designated third party payment data base that includes designated third party settings with third party IP addresses, payment sources for each of a designated third party, and method of payment, the payment activity manager performing a comparison for each of a designated third party to receive a payment and perform a security check on that designated third party, the payment activity manager performing an authentication of a designated third party for a payment and a tracking of payments for each of a payment transaction to the one or more designated third parties including an initiation of a payment and a conclusion of a payment from the user, the payment activity manager associating one or more transaction contexts of a designated third party payment prior to payment, the payment activity manager configured to adjust payment settings made by the user or requested by a designated third party to receive payments, the payment activity manager configured to manage payments that are designated to be calendared as being calendared and also configured to analyze user payment activities and generate reports relative to each of a payment, user payment activities and verification that a payment has been made;
• and
• wherein an operation or measurements or actions taken relative to the measurements made by one or more sensors.