A method for independently encrypting channels of data in a transaction, comprising: encryption of a first data channel in the transaction using a first security association; encryption of a second data channel in the transaction using a second security association; and encryption of a third data channel in the transaction using a third security association, wherein the first and third data channels each consist of point-to-point control data and the second data channel consists of end-to-end content data, the method including: negotiation of a first encryption key and the first security association for the first data channel between a mobile device and a server operating as a transfer agent for the transaction; negotiation of a second encryption key and the second security association for the second data channel between a mobile device and a computer operating as an endpoint for the transaction; and negotiation of a third encryption key and the third security association for the third data channel between the server and the endpoint, wherein the control data in the first data channel includes authentication and routing information, wherein the authentication information includes an authentication token sent by the mobile device to the server, wherein the mobile device is required to authenticate to the server by transmitting a username and password prior to being permitted to submit the transaction, and the end-to-end content data in the second data channel includes the contents of email messages, electronic files, or other electronic data. encryption of a first data channel in the transaction using a first security association; encryption of a second data channel in the transaction using a second security association; and encryption of a third data channel in the transaction using a third security association, wherein the first and third data channels each consist of point-to-point control data and the second data channel consists of end-to-end content data, the method including: negotiation of a first encryption key and the first security association for the first data channel between a mobile device and a server operating as a transfer agent for the transaction; negotiation of a second encryption key and the second security association for the second data channel between a mobile device and a computer operating as an endpoint for the transaction; and negotiation of a third encryption key and the third security association for the third data channel between the server and the endpoint, wherein the control data in the first data channel includes authentication and routing information, wherein the authentication information includes an authentication token sent by the mobile device to the server, wherein the mobile device is required to authenticate to the server by transmitting a username and password prior to being permitted to submit the transaction, and the end-to-end content data in the second data channel includes the contents of email messages, electronic files, or other electronic data. negotiation of a first encryption key and the first security association for the first data channel between a mobile device and a server operating as a transfer agent for the transaction; negotiation of a second encryption key and the second security association for the second data channel between a mobile device and a computer operating as an endpoint for the transaction; and negotiation of a third encryption key and the third security association for the third data channel between the server and the endpoint, wherein the control data in the first data channel includes authentication and routing information, wherein the authentication information includes an authentication token sent by the mobile device to the server, wherein the mobile device is required to authenticate to the server by transmitting a username and password prior to being permitted to submit the transaction, and the end-to-end content data in the second data channel includes the contents of email messages, electronic files, or other electronic data.