Abstract: Secure transfer of electronic files containing confidential information is achieved by selecting and copying files to be transferred to an intended recipient and, prior to transfer, subjecting the copies to consolidation, compression, chunking and encryption. Decryption, unchunking and decompression of the transferred files can only be performed by a recipient who has also received a verification code, an encrypted and password protected sector file, and an encrypted password file. Decryption of the password file requires a private certificate available only to the intended recipient. Decryption of the other files requires a one-time random transaction password contained in the password file.