Client-side security for tokenized transactions

A computer readable program product including a computer readable medium including computer executable instructions for processing a transaction within a token transfer device, the instructions comprising:

• instructions to store, by the token transfer device, a transaction token having a specified transaction resource value and an associated validation parameter;
• instructions to initiate, by the token transfer device, a transaction service with a token recipient terminal to facilitate the transaction;
• instructions to determine whether the token transfer device is communicatively connected to resource account server;
• instructions to, in response to the token transfer device being communicatively connected to the resource server,
• determine that token-associated validation parameters match conditions associated with the transaction, and
• complete the transaction;
• instructions to, in response to the token transfer device not being communicatively connected to the resource server, modify the transaction based on parameters stored in the token transfer device.

An apparatus comprising:

• one or more processors;
• at least one computer readable program product including one or more computer readable mediums including instructions, executable on the one or more processors, for processing a transaction within a token transfer device, the instructions comprising:
• instructions to store, by the token transfer device, a transaction token having a specified transaction resource value and an associated validation parameter;
• instructions to initiate, by the token transfer device, a transaction service with a token recipient terminal to facilitate the transaction;
• instructions to determine whether the token transfer device is communicatively connected to resource account server;
• instructions to, in response to the token transfer device being communicatively connected to the resource server,
• determine that token-associated validation parameters match conditions associated with the transaction, and
• complete the transaction;
• instructions to, in response to the token transfer device not being communicatively connected to the resource server, modify the transaction based on parameters stored in the token transfer device.