Providing users with high performance mission-critical central transaction servers whose transactional performance capability is in the order of 1 million transactions per second, with a round-trip no greater that half a second for each individual transaction. The transaction server technology provides security, data integrity, security auditing, real-time transaction processing with guarantied latency, personalized channels, end-user interactive capabilities, fault-tolerance, disaster tolerance, symmetrical remote center, >99.995% availability, and real-time liability management