Abstract: A new approach is proposed that first validates identity of a user/individual who is initiating a request for a web service for the first time. Once validated, the user is allowed to access the web service, to register securely with the provider of the web service, and to create a series of personalized questions to be used for future validation purposes. During the user's subsequent request for the web service, the user will be asked, in addition to his/her user name, one or more of the personalized questions he/she created on rotation basis in place of a PIN or password.

Abstract: An integrated web browser, instant messaging system is presented. The system operates on mobile devices and other types of embedded devices. The system is an integrated instant messaging and web browsing application controlled by an embedded application on a mobile device. Today most web browsers, instant messaging, and other programs are separate or discrete applications that are executed on an either/or type of situation. The present system provides an integrated application environment that is a single application that shares data between instant messaging and web browser sub-modules, which allows users to simultaneously message and browse. The system may also be deployed as part of an overall method for enhancing safety and producing revenue for communications networks.