A system for exchanging and merging messages over a network includes a server accessible by a plurality of remote browsers for transmitting a template including fields for information entry and a business system accessible by the server for generating a return document pursuant to information entered in the template on the browsers. The business system includes a first parser for receiving a document from a browser, the document including information about data characteristics of information entered into the template, and a second parser for receiving information about data characteristics to provide a return template. A merging algorithm is implemented to merge the document with the return template for providing a return document to the browser having portions of the return template with data entered therein.