Abstract: A software program is written in Java for multiple platform uses. The software program provides a person with a way to access a database to perform any type of transaction requiring inputting information to prevent unauthorized use thereof. A transaction card is formed on a blank card or disk and the disk is distributed to users who then enter, or are issued by administrator, unique user names and unique passwords. Encrypted personal information from the disk is then sent, in a binary string, to a remote server that contains software that places the encrypted information in a database with information with regard to the account, serial number, etc. When the disk is used at a remote retailer or other location, a reader reads the disk and a user's name and password are entered. The encrypted binary information from the disk, user's name and password are sent to the database at the remote server.