System and method of secure encryption for electronic data transfer

1. A non-transitory computer-readable storage medium with an executable program stored thereon for directing operation of at least one computer to enable a secure data transfer between a sender and a recipient, wherein the program instructs the at least one computer to perform the following steps:

enabling receiving, by a computer associated with the sender, transfer data and a recipient identifier to initiate a data transfer transaction;

enabling generating, by the computer associated with the sender, a key for encoding and decoding the transfer data,

wherein the key is unique for the data transfer transaction;

enabling encoding, by the computer associated with the sender, the transfer data using the key and communicating the key and the recipient identifier to an authentication server;

enabling receiving, by the computer associated with the sender, valid sender authentication information and communicating the valid sender authentication information to the authentication server;

enabling creating, by the authentication server, a secure package identifier that uniquely identifies the transfer data,

wherein the secure package identifier is unique for the data transfer transaction and is associated with the key and the recipient identifier received from the computer associated with the sender;

enabling comparing, by the authentication server, the valid sender authentication information received from the computer associated with the sender, with stored sender authentication information previously stored in a database accessible by the authentication server;

enabling communicating, by the authentication server and to the computer associated with the sender, the secure package identifier, but only if the valid sender authentication information received from the computer associated with the sender matches the stored sender authentication information stored in the database;

enabling communicating, by the computer associated with the sender, the encoded transfer data and the secure package identifier to a computer associated with the recipient;

enabling receiving, by the computer associated with the recipient, a user identifier and communicating the user identifier and the secure package identifier to the authentication server;

enabling comparing, by the authentication server, the user identifier received from the computer associated with the recipient, with the recipient identifier received from the computer associated with the sender;

enabling comparing, by the authentication server, the secure package identifier received from the computer associated with the recipient, with the secure package identifier created by the authentication server; and

enabling communicating, by the authentication server and to the computer associated with the recipient, the key, but only if the secure package identifier received from the computer associated with the recipient matches the secure package identifier created by the authentication server, and only if the user identifier matches the recipient identifier.

2. The computer-readable storage medium of claim 1 , wherein the computer associated with the sender is a client computer operated by the sender, and the computer associated with the recipient is a client computer operated by the recipient.

3. The computer-readable storage medium of claim 1 , wherein the computer associated with the sender is a server accessible by a client computer operated by the sender, and the computer associated with the recipient is a server accessible by a client computer operated by the recipient.

4. The computer-readable storage medium of claim 1 , wherein the computer associated with the sender is either or both of a client computer operated by the sender and a server accessible by the client computer operated by the sender, and the computer associated with the recipient is either or both of a client computer operated by the recipient and a server accessible by the client computer operated by the recipient.

5. The computer-readable storage medium of claim 1 , wherein the transfer data and the recipient identifier are input by the sender, and the user identifier is input by the recipient.

6. The computer-readable storage medium of claim 1 , further comprising:

enabling communicating, by the computer associated with the sender, the key and the recipient identifier to the authentication server via a computer network using a secure communications protocol; and

enabling communicating, by the authentication server, the secure package identifier to the computer associated with the sender via a computer network using a secure communications protocol.

7. The computer-readable storage medium of claim 1 , further comprising:

enabling communicating, by the computer associated with the recipient, the user identifier and the secure package identifier to the authentication server via a computer network using a secure communications protocol; and

enabling communicating, by the authentication server, the key to the computer associated with the recipient via a computer network using a secure communications protocol.

8. The computer-readable storage medium of claim 1 ,

wherein the valid sender authentication information received by the computer associated with the sender and the stored sender authentication information stored in the database each includes biometric information.

9. The computer-readable storage medium of claim 1 , further comprising:

enabling receiving, by the computer associated with the recipient, valid recipient authentication information from the recipient and communicating the valid recipient authentication information to the authentication server;

enabling comparing, by the authentication server, the valid recipient authentication information received from the computer associated with the recipient, with stored recipient authentication information previously stored in a database accessible by the authentication server; and

enabling communicating, by the authentication server and to the computer associated with the recipient, the key, but only if the valid recipient authentication information received from the computer associated with the recipient matches the stored recipient authentication information stored in the database.

10. The computer-readable storage medium of claim 1 , further comprising enabling decoding, by the computer associated with the recipient, the encoded transfer data using the key.

11. The computer-readable storage medium of claim 10 , further comprising:

enabling encoding, by the computer associated with the sender, the transfer data by combining the transfer data with a user-selected data file using the key; and

enabling decoding, by the computer associated with the recipient, the transfer data by removing the transfer data from the user-selected data file using the key.

12. A non-transitory computer-readable storage medium with an executable program stored thereon for directing operation of at least one computer to enable a secure data transfer between a sender and a recipient, wherein the program instructs the at least one computer to perform the following steps:

enabling receiving, by a computer associated with the sender, transfer data and a recipient identifier to initiate a data transfer transaction;

enabling generating, by the computer associated with the sender, a key for encoding and decoding the transfer data,

wherein the key is unique for the data transfer transaction;

enabling encoding, by the computer associated with the sender, the transfer data using the key and communicating the key and the recipient identifier to an authentication server;

enabling receiving, by the computer associated with the sender, valid authentication information from the sender and communicating the valid sender authentication information to the authentication server;

enabling creating, by the authentication server, a secure package identifier that uniquely identifies the transfer data,

wherein the secure package identifier is unique for the data transfer transaction and is associated with the key and the recipient identifier received from the computer associated with the sender;

enabling comparing, by the authentication server, the valid sender authentication information received from the computer associated with the sender, with stored sender authentication information previously stored in a database accessible by the authentication server;

enabling communicating, by the authentication server and to the computer associated with the sender, the secure package identifier, but only if the valid sender authentication information received from the computer associated with the sender matches the stored sender authentication information stored in the database;

enabling communicating, by the computer associated with the sender, the encoded transfer data and the secure package identifier to a computer associated with the recipient;

enabling receiving, by the computer associated with the recipient, a user identifier and communicating the user identifier and the secure package identifier to the authentication server;

enabling comparing, by the authentication server, the secure package identifier received from the computer associated with the recipient, with the secure package identifier created by the authentication server; and

enabling communicating, by the authentication server and to the computer associated with the recipient, the key, but only if the secure package identifier received from the computer associated with the recipient matches the secure package identifier created by the authentication server.

13. The computer-readable storage medium of claim 12 , wherein the computer associated with the sender is a client computer operated by the sender, and the computer associated with the recipient is a client computer operated by the recipient.

14. The computer-readable storage medium of claim 12 , wherein the computer associated with the sender is a server accessible by a client computer operated by the sender, and the computer associated with the recipient is a server accessible by a client computer operated by the recipient.

15. The computer-readable storage medium of claim 12 , wherein the computer associated with the sender is either or both of a client computer operated by the sender and a server accessible by the client computer operated by the sender, and the computer associated with the recipient is either or both of a client computer operated by the recipient and a server accessible by the client computer operated by the recipient.

16. The computer-readable storage medium of claim 12 , wherein the transfer data and the recipient identifier are input by the sender, and the user identifier is input by the recipient.

17. The computer-readable storage medium of claim 12 , further comprising:

enabling communicating, by the computer associated with the sender, the key and the recipient identifier to the authentication server via a computer network using a secure communications protocol;

enabling communicating, by the authentication server, the secure package identifier to the computer associated with the sender via a computer network using a secure communications protocol;

enabling communicating, by the computer associated with the recipient, the user identifier and the secure package identifier to the authentication server via a computer network using a secure communications protocol; and

enabling communicating, by the authentication server, the key to the computer associated with the recipient via a computer network using a secure communications protocol.

18. The computer-readable storage medium of claim 12 ,

wherein the valid sender authentication information received by the computer associated with the sender and the stored sender authentication information stored in the database each includes biometric information.

19. The computer-readable storage medium of claim 12 , further comprising:

enabling comparing, by the authentication server, the user identifier received from the computer associated with the recipient, with the recipient identifier received from the computer associated with the sender; and

enabling communicating, by the authentication server and to the computer associated with the recipient, the key, but only if the user identifier matches the recipient identifier.

20. The computer-readable storage medium of claim 19 , further comprising:

enabling receiving, by the computer associated with the recipient, valid recipient authentication information from the recipient and communicating the valid recipient authentication information to the authentication server;

enabling comparing, by the authentication server, the valid recipient authentication information received from the computer associated with the recipient, with stored recipient authentication information previously stored in a database accessible by the authentication server; and

enabling communicating, by the authentication server and to the computer associated with the recipient, the key, but only if the valid recipient authentication information received from the computer associated with the recipient matches the stored recipient authentication information stored in the database.