Abstract: Apparatus and methods for executing business transactions and transferring subscribed for and periodically updated information across networks using of encapsulated, self contained visual link objects that include a displayable image representing the contents of the visual link object, a dataset forming the contents of the object, and additional information wherein the contents of a visual link object are determined by the nature of an intended transaction or the nature of the information to be distributed. Also described are apparatus and methods for creating and distributing graphical user interfaces for application programs, for customization of applications programs, and methods for multi-level encapsulation of visual link objects to protect the contents thereof from unauthorized access, together with alternate implementations of visual link objects.