Abstract: A method for generating and authenticating a user account in a system including entering personal information into the system of a vendor, selecting an image for the user account, selecting a personal identification number (PIN) for the user account, selecting a color for the user account, selecting a shape, selecting a word for the user account, recording audio for the user account, inputting biometric markers the user account, receiving a transaction information request for requested information in the system, verifying the requested information and matching account information of a requesting user to the user account in the system, determining if the requested information involves personal information previously entered into the system, beginning a user security setup, determining if a threshold in the user security setup exceeds a threshold requirement of a vendor security setup, determining if the user is authenticated, and sending requested information to the authenticated user.