In an electronic transaction, the invention provides a process and system for blocking a user's account until a verifier verifies the identity of the user. The process comprises pre-enrolling the user and the user's personal communication device. Optionally, one or more of the user's accounts are enrolled.At the time a transaction is initiated, the verifier sends an identification verification request to the portable communication device of the person initiating the electronic-transaction. The person then verifies his/her identity as the user. Optionally, the user authorizes the amount of the transaction.Optionally, the verifier issues to the user a proxy transaction card which the user uses to initiate electronic transactions that will be billed to one of the user's pre-enrolled accounts. Using information obtained from the user's proxy transaction card, the retailer/merchant's bank opens a communications link to the verifier, and the verifier then verifies the user's identity.