Sorry, I didn't quite understand what you exactly want to have.
If you want to fill the name field with 'test' when unregistered user is on the site go to comment.class.php
find the form_htmlCode() function.
before this line
$html = str_replace('{username}', $this->_tname, $html);
and change it to this
if(!strcmp($this->_tname,'')) {
$html = str_replace('{username}', 'test', $html);
} else {
$html = str_replace('{username}', $this->_tname, $html);
}
This should change the empty input name field to a field that has a value test.