Abstract: Secure commerce systems and methods are disclosed. Commercial security is first provided by identity verification via voice authentication using voice similarity analysis, and by a set of random, continually-changing passwords that can be encrypted and uniquely identified with a fictitious and anonymous user name. Each anonymous user name is uniquely associated with a consumer's real identity that is protected by a set of security measures of a Knowledge Manager (KM), for use with an Anonymous Payment Card (APC) and an Anonymous Internet-email Account. The KM issues a fictitious, “one-time” (e.g. never re-used) APC number and user name to a participating consumer who wishes to attain anonymity, along with a mailing address at a “Ghost Shipping” location, such that packages sent to the consumer can be re-packaged and re-shipped to the consumer without the seller or the shipper knowing the consumer's real identity.