Abstract: A computer implemented technique for facilitating secure electronic transactions anonymously is presented, wherein a secure private agent establishes a client relationship with a consumer, and mediates communication between the consumer and electronic commerce sites. The secure private agent substitutes internally generated identifiers for personal details of the consumer, completes details of the transaction on behalf of the consumer, authorizes payment, and guarantees the credit of the consumer to the electronic commerce site or a payment processing agent. The secure private agent concurrently monitors internet browsing activity of the consumer and provides its services on demand, or automatically in background mode.

Abstract: A technique for authenticating a first party to a second party is applicable to electronic transactions. In addition to employing personal passwords, and a device operational parameter fingerprint, two signatures are employed, one being characteristic of the first party, and the other being associated with the computer or communications device of the first party. The signatures mutate at random intervals, responsive to mutation requests made by the device of first party to the device employed by the second party. The mutated signatures invalidate previous signatures, and are stored in the computing or communications devices of both parties. The mutation process authenticates the computer or communication device, and may also authenticate the password holder.