A transaction system includes a network of terminals and a network of servers each form separate communication networks for impersonal transaction and anonymous transmission. No reference to an individual person exists for executing card transactions at a point of sale. The terminals generate impersonal identifiers for a discrete card and user and the servers receive the impersonal identifiers for datafile matching to authorize a transaction at the point of sale for a discrete card and user. No personal identifiers are carried on the card to identify a cardholder, the card is impersonal.