A method of encrypting and transferring data between a sender and a receiver using a network thereby transferring data in a secure manner includes the steps of a server receiving from the sender an identifier of the receiver; generating a transfer specific encryption key specific to the transfer; encrypting the data using the generated transfer specific encryption key; the server retrieving information specific to the receiver that is accessed according to the identifier of the receiver received from the sender, and using the retrieved information specific to the receiver to encrypt the transfer specific encryption key; transferring the encrypted data and the encrypted transfer specific encryption key over the network for receipt by the receiver; the server receiving from the receiver the encrypted transfer specific encryption key and identifier of the receiver; the server retrieving information specific to the receiver that is accessed according to the identifier of the receiver received from the receiver, and using the retrieved information specific to the receiver to decrypt the encrypted transfer specific encryption key; and decrypting the encrypted data using the decrypted transfer specific encryption key.