Method and apparatus for a cryptographically-assisted commerical network system designed to facilitate and support expert-based commerce

An expert matching apparatus for managing communications between an expert having particular qualifications and an end user seeking a solution to an end user request, comprising:

• a controller unit for receiving an end user request generated by an end user, the controller unit having a database for storing therein a plurality of qualifications for a plurality of experts, each expert qualification associated with an address corresponding to a particular expert;
• means for searching the database to generate a search result containing expert qualifications which correspond to the end user request;
• means for guaranteeing payment to the expert for services rendered to the end user;
• means for initiating remittance of payments to the experts;
• means for transmitting at least a portion of the end user request to the expert address based on the search result;
• means for receiving an expert answer corresponding to the end user request transmitted;
• and
• means for transmitting at least a portion of the expert answer to the end user.