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 associated with a ledger account of a token administration system;
• generate a secure negotiable pre-funded token transfer data set;
• 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 a pre-funded token transfer recipient to access the pre-funded token;
• and
• route the secure negotiable pre-funded token transfer data set to a network address associated with the token administration system.