Abstract: The invention discloses a method and system for exchanging data between users using a transaction phrase, comprising: composing a data package by a source, uploading the data package onto a server, receiving a transaction phrase associated solely with the data package generated from a dictionary database utilized by the server, communicating the transaction phrase by the source to a recipient, requesting the data package by the recipient using the phrase, and receiving the data package from the server to the recipient if the parameters allow. The invention also details a financial aspect wherein a payment dialogue is initiated on the recipient interface allowing the recipient to complete a payment through a merchant server. Another embodiment comprises receiving a payment by the recipient upon submitting the transaction phrase to the server. The invention also envisions allowing the source to create a source account before composing the data package.

Abstract: The invention discloses a method and system for exchanging data between users using a transaction phrase, comprising: composing a data package by a source, uploading the data package onto a server, receiving a transaction phrase associated solely with the data package generated from a dictionary database utilized by the server, communicating the transaction phrase by the source to a recipient, requesting the data package by the recipient using the phrase, and receiving the data package from the server to the recipient if the parameters allow. The invention also details a financial aspect wherein a payment dialogue is initiated on the recipient interface allowing the recipient to complete a payment through a merchant server. Another embodiment comprises receiving a payment by the recipient upon submitting the transaction phrase to the server. The invention also envisions allowing the source to create a source account before composing the data package.