Abstract: A self-enrollment and authentication method provides that, when a user logs onto a host computer and requests that the user's physical identity be verified, a Unique User Identity (UUI) is created to identify the user on the host computer, and a Unique Code Phrase (UCP) is created which is linked with the user's UUI. The UCP is recorded on a document which the user executes before a notary public averring that the user is an identified person. If upon review of the executed document, it is determined that the user's identity has been verified, a Verified Physical Identity (VPI) is established and stored on the host computer and the user's status is upgraded to entitled the user access to reserved privileges on the host computer.

Abstract: A system and method for direct presentment and clearance of bills generated in a hierarchal business organization over a network of computers comprises a hierarchal business organization having a plurality of tiers of entities related by common business interests, the tiers including billing entities, each billing entity in contractual relation with a hiring entity in a superior tier of the organization, the hierarchal business organization including at least one paying entity, the system providing for direct billing by each billing entity to a central business process administrator, direct payment to each entity by the business process administrator, and for associated inspection of the entity's work and clearance of mechanic's liens.