Abstract: The subject invention comprises a process that provides for analyzing characteristics of website users, indicating the behavior modes and attitudes of particular individuals or entities using a given website on the internet from a perspective of both real-time and historical time, with attitude attributes and other relevant attributes extracted from characteristics of verbal colloquy on such website, where such attitude data relative to such website is extracted and interpreted and stored on an individual basis and potentially on a group basis for future reference use purposes. Among other means, attitude is obtained in this process from interactive real-time communications, usually bi-directional live communication, that the website user conducts on website visits, or through emails or telephone callings, or any other mode of communication.

Abstract: The subject invention comprises a process and means for an integrated and standardized verification rating of individuals seeking credit or access, or for sending a digital signature for access purposes including means comprising of a scaled rating for an individual's identity, along with potential other individual attributes that will be rated in order to apprise a merchant or other entity of the authenticity of the individual seeking credit or permit access to an entity or sending a digital signature.