Abstract: A method and system is provided by a Central-Entity, for identification and authorization of users over a communication network such as Internet. Central-Entity centralizes users personal and financial information in a secure environment in order to prevent the distribution of user's information in e-commerce. This information is then used to create digital identity for the users. The digital identity of each user is dynamic, non predictable and time dependable, because it is a combination of user name and a dynamic, non predictable and time dependable secure code that will be provided to the user for his identification.

Abstract: A secure commerce system and method to increase security in Internet-based, phone-based, interactive television-based, mobile-based and wireless-based commerce utilized by a customer(s) to order goods and services from a merchant(s) or to pay bills. The system includes a customer's financial institution that assists the customer to pay bills or to purchase the ordered goods and services and a business entity issuing a secure commerce card number (SCCN) for the customers to pay bills or to purchase the ordered goods and services without revealing confidential financial information. Communications devices are available for the customer, the merchant, the customer's financial institution and the business entity to give and receive information between each other.