Abstract: The present invention enables a user to anonymously transact business on the Internet by earning credits, and by accessing independent second-party lines of credit. As a system, the invention includes an allowance card associated with a unique account number, a debit database, and associates the account number with an account stored as data in the debit database. The system also includes at least one credit supplying means. In another embodiment, the invention is a method of accomplishing a transaction with an allowance card. The method includes providing an allowance card linked to a database on the Internet (the allowance card including a means for identification), authenticating said card, and transacting business via credits maintained by an account maintained by said database.