11. A method of filtering phrases in a computer network-based chat system, the method comprising: providing a word database that is stored in at least one data storage device, said word database containing a plurality of permitted words; providing a phrase database that is stored in said at least one data storage device to be accessible to a messaging server included in a computer network for processing a message between a sender's computer and a recipient's computer, said phrase database containing a plurality of prohibited phrases, at least one of the plurality of prohibited phrases consisting of a plurality of individual words that are each included in the word database; receiving the message over the computer network from the sender's computer, the message including a plurality of words; accessing word data from the word database stored in said at least one data storage device for comparing each of the plurality of words to the plurality of permitted words in the word database; using the messaging server, accessing phrase data from the phrase database stored in said at least one data storage device for determining whether any of the plurality of prohibited phrases are contained in the message received over the computer network from the sender's computer; transmitting the message over the computer network to the recipient's computer only if both of the following conditions exist: each of the plurality of words entered by the sender matches one of the plurality of permitted words contained in the word database, and none of the plurality of prohibited phrases are contained in the message; and providing data for displaying the message on the sender's computer prior to transmitting the message; and providing data for highlighting words included in the message must be removed before the message can be transmitted over the computer network.
11. A method of filtering phrases in a computer network-based chat system, the method comprising: providing a word database that is stored in at least one data storage device, said word database containing a plurality of permitted words; providing a phrase database that is stored in said at least one data storage device to be accessible to a messaging server included in a computer network for processing a message between a sender's computer and a recipient's computer, said phrase database containing a plurality of prohibited phrases, at least one of the plurality of prohibited phrases consisting of a plurality of individual words that are each included in the word database; receiving the message over the computer network from the sender's computer, the message including a plurality of words; accessing word data from the word database stored in said at least one data storage device for comparing each of the plurality of words to the plurality of permitted words in the word database; using the messaging server, accessing phrase data from the phrase database stored in said at least one data storage device for determining whether any of the plurality of prohibited phrases are contained in the message received over the computer network from the sender's computer; transmitting the message over the computer network to the recipient's computer only if both of the following conditions exist: each of the plurality of words entered by the sender matches one of the plurality of permitted words contained in the word database, and none of the plurality of prohibited phrases are contained in the message; and providing data for displaying the message on the sender's computer prior to transmitting the message; and providing data for highlighting words included in the message must be removed before the message can be transmitted over the computer network. 13. The method of claim 11 , further comprising: providing data for highlighting phrases included in the message that are contained in the phrase database.