METHOD OF CONDUCTING SECURE TRANSACTIONS CONTAINING CONFIDENTIAL, FINANCIAL, PAYMENT, CREDIT, OR OTHER INFORMATION OVER A NETWORK

摘要

A method for enabling an individual, business, or other entity to exchange confidential information or to make purchases or conduct financial or other transactions over a public or quasi-public network while limiting the transmission of confidential, sensitive, financial or other information over the public or quasi-public network and limiting access to such information b y unauthorized individuals. The method includes storing confidential, sensitiv e, financial or other information on a processing computer connected to the computer system or systems of one or more businesses or financial or other institutions by way of a private, non-public network. A first electronic message is sent from a first computer to a central network computer through transmission over the public or quasi-public network. At least a portion of the first electronic message received by the central network computer is stored on data storage or data transfer media. The data storage or data transfer media is then disconnected from the central network computer and connected to the processing computer. The processing computer reads the portion of the first electronic message stored on the data storage or data transder media, identifies the source of the first electronic message, and accesses stored information concerning the source. Information from the firs t electronic message, and stored information concerning its source, can then b e transmitted over the private, non-public network to the computer system or systems of one or more businesses, financial institutions, or other entities for processing.