A secure, dual server electronic data maintenance system and associated removable memory storage devices (e.g., smartcards). The system includes a first remote server that stores card holder identification information associated with multiple card holders, and a second remote server that stores electronic data associated with the card holders. The electronic data maintained on the second remote server cannot be correlated to the card holder identification information maintained on the first remote server based on the information contained in the first and second remote servers. To permit correlation of the files, the removable memory storage devices store correlation information sufficient to uniquely associate particular card holder identification information stored on the first remote computer server with associated card holder's electronic data stored on the second remote server. The removable memory storage device also allows the card holder to engage in monetary transactions.