Integrated identity and financial fraud protection and proxy services delivery system and method

A method for enabling anonymous communication between a user and a website over the Internet, comprising the steps of:

• by a proxy server on a computer network, said proxy server being selectively coupled between a user and a website,
• A. establishing an account for said user;
• B. storing information associated with said user;
• and
• C. in response to a user request for access to a website received from said user over the Internet:
• i. generating and sending a proxy request to said website over the Internet, said proxy request corresponding to at least a portion of the content of said user request, and without information which might permit said website from determining the identity of said user;
• ii. receiving a website response generated by said website in response to said proxy request;
• iii. transcoding said received website response to a transcoded representation of said website response;
• and
• iv. sending said transcoded representation of said website response over the Internet to said user.

A method for establishing a debit card for an Internet transaction between a user and a merchant, comprising the steps of:

• by a card manager server on a computer network,
• A. receiving over the Internet, a debit card request from the user for the transaction, wherein the debit card request includes information representative of the identity of the user,
• B. in response to the debit card request, sending a debit card number request over the Internet to a debit card issuer associated with a bank account of the user, and which debit card issuer is authorized to transfer funds from the account in response to a debit card request, wherein he debit card number request includes data representative of a transaction amount and the identity of the user,
• C. receiving from the debit card user over the Internet, a debit card number for use to effect the transaction,
• D. storing the received debit card number and sending a PIN code request to the user,
• E. receiving a PIN code from the user generated in response to the PIN code request, and
• F. storing the debit card number received from the debit card issuer and the PIN code received from the user, for use in the transaction.

A method for establishing a debit card Internet transaction between a merchant and a user, comprising the steps of:

• by a transaction manager server on a computer network,
• A. storing information associated with the user, including a debit card number associated with a debit card issuer and the user, and a PIN code provided by the user,
• B. receiving over the Internet, a transaction request from the user for the transaction, wherein the transaction request includes information representative of transaction parameters including the identity of the user, the identity of the merchant, the identity of the user, the identity of the goods or services to be acquired pursuant to the transaction,
• C. determining from the information whether the PIN code and the user identity information correspond to the PIN code and user identity in the stored information, and if so, storing the transaction parameters, and sending a transaction valid signal to the user, and if not, aborting the transaction,
• D. receiving a payment form from the user in response to the transaction valid signal, and passing a signal representative of the payment form to the merchant, without disclosing information representative of the identity of the user,
• E. receiving a merchant/debit card issuer approval signal from the debit card issuer indicative of merchant/debit card issuer approval for the transaction and transaction parameters, and
• F. comparing the received transaction parameters from the merchant/debit card issuer approval signal with the transaction parameters from the user transaction request, and if those signals are correspond, then sending a transaction manager approval signal to the debit card issuer, indicative of approval of the transaction.

A method for filling in Internet forms for a user, comprising the steps of:

• by a form manager server on a computer network,
• A. storing information associated with the user,
• B. receiving over the Internet, a form value request for representative of information needed by the user to complete an Internet form,
• C. in response to a received form value request, determining selectors represent of the needed information and its storage location,
• D. responsive to the selectors, retrieving the information from the stored information, and
• E. transferring over the Internet, the retrieved information to the user.

A method for establishing an ad hoc e-mail address for a client of a user for a form for use in an e-mail communication over the Internet, comprising the steps of:

• by a client,
• A. receiving an address request from a user by the client, the address request signal being indicative of action by the user to click on an e-mail address field of a template displayed by the client to the user, for an e-mail to be sent to a domain by the user,
• B. in response to receipt of the address request, requesting from a notifications server over the Internet, all addresses associated with the user for the domain,
• C. receiving said associated addresses over the Internet from the notifications server, and display displaying the received associated addresses to the user, and requesting to the user,
• D. presenting to the user and option to create a new e-mail address for said communication over the Internet to said domain,
• E. requesting to the user to enter text representative of said new e-mail address,
• F. receiving text representative of said new e-mail address entered to the client by the user,
• G. determining if said text corresponds to an existing alias e-mail address, a user-supplied e-mail address, or an existing e-mail address, and if so:
• i. Entering into the form, the respective existing alias e-mail address, the user-supplied e-mail address, or the existing e-mail address for use as the e-mail communication over the Internet, if not so:
• ii. Requesting over the Internet, that the server generate a new ad hoc e-mail address for entry into the form for said communication over the Internet,
• by the notifications server on a computer network, said notifications server being selectively coupled to the client,
• H. generating an ad hoc e-mail address and sending the ad hoc e-mail address over the Internet, to the client,
• by the client,
• I. entering the received ad hoc e-mail address into the form for said e-mail communication over the Internet.