Abstract: A methodology and system is used to facilitate the exchange of valued electronic information in a confidential, fair, and efficient manner. Either of two protocols can be employed that used encryption and electronic signatures to effectively guarantee origin and identity of sender and receiver in the exchange of valued information and requires timely response by both sender and receiver. The protocols rely upon one or a plurality of postal agents (servers) to provide secured online exchange of the information by arranging an efficient validation of the required signatures and information being exchanged between the sender and receiver. In the event of a breakdown in the exchange between sender and receiver, the use of a trusted third party (TTP) allows for fair and pre-agreed arbitration based upon the encrypted information and electronic signatures of the sender and receiver. The method does not require the use of the TTP unless a dispute arises.