Systems, methods, and devices for secure generation and processing of data sets representing pre-funded payments

A user device comprising:

• at least one data processor;
• and
• at least one persistent memory, the at least one persistent memory comprising secure data storage media and stored, machine-interpretable instructions adapted to configure the at least one data processor to:
• access in the secure data storage media data representing at least a negotiable pre-funded token data set, the negotiable pre-funded token data set comprising data representing at least a pre-funded negotiable amount and a negotiable pre-funded payment authorization, the pre-funded negotiable amount associated with a general ledger account of a token administration system;
• generate a secure negotiable pre-funded token transfer data set, the secure negotiable pre-funded token transfer data set comprising data identifying a pre-funded token transfer recipient, data representing the negotiable pre-funded payment authorization, and a negotiable pre-funded token transfer amount;
• modify the pre-funded token transfer data set used to generate the pre-funded token to include:
• data representing the same or another negotiable pre-funded payment authorization;
• and
• verification data for use in the authorization of the recipient to access the pre-funded token;
• route the secure negotiable pre-funded token transfer data set to a network address associated with the token administration system, the secure negotiable pre-funded token transfer data set to be associated with the general ledger account;
• receive from the token administration system a negotiable pre-funded token associated with the general ledger account;
• route the negotiable pre-funded token to a network address associated with the pre-funded token transfer recipient;
• receive a confirmation, from the token administrator system, that a transaction associated with the negotiated pre-funded token has been completed, wherein the general ledger account is debited by the negotiable pre-funded amount;
• and
• where the transaction comprised a transaction amount less than the negotiable pre-funded amount, receive, from the token administration system a new negotiable pre-funded token associated with a new general ledger account, the new pre-funded token comprising a new pre-funded negotiable amount corresponding to a remainder amount following the transaction.