Abstract: A networked system used to implement online transactions and communication between users. The users are account holders at banks located in a plurality of countries. The banks are connected to a computing system, which may be configured to implement a number of different transactions between users.

Abstract: A networked system used to implement online transactions and communication between users. The users are account holders at banks located in a plurality of countries. The banks are connected to a computing system, which may be configured to implement a number of different transactions between users.

Abstract: A networked system used to implement online transactions and communication between users. The users are account holders at banks located in a plurality of countries. The banks are connected to a computing system that instructs the banks to freeze funds during a quote and book process. After delivery of products and services, the payments the funds are released, thus payment is guaranteed. The networked system retains all records from quote process to payment for every transaction. Individuals have a single account. Company accounts are divided into different sub-users according to the employee's responsibilities and these users can only expend what has been allocated by the Finance sub-user of that company. The Government account is divided into different Ministries connected to the Main Treasury account and Ministries can only expend allocated from the Main Treasury account. Individuals and companies can request services from the Government Ministries on the same networked system.