DATA STRUCTURE, METHOD AND SYSTEM FOR GENERATING PERSON-TO-PERSON, PERSON-TO-BUSINESS, BUSINESS-TO-PERSON, AND BUSINESS-TO-BUSINESS FINANCIAL TRANSACTIONS

The delivery of a secure method and system of generating person to person, business to business, business to person and person to business transactions involving transfer of funds from one party (the purchaser) to a second party (the vendor). The functionality of existing credit/debit cards and the associated infrastructure is extended to provide a secure global mechanism for individuals/businesses to receive funds without revealing confidential information or having to become credit/debit accepting merchants.