Abstract: A method, a system and an apparatus for data transmission and transactions providing secured and efficient payments and data transactions. Users such as customers and merchants transact a secured token by using a user device and a transaction device without online services. The users have an account in a backend system, and the secured token is managed in the backend system. The users upload the token in their account via a terminal device. The token is transacted between the users in secured ways without using online services.

Abstract: A method, a system and an apparatus for data transmission and transactions providing secured and efficient payments and data transactions. Users such as customers and merchants transact a secured token by using a user device and a transaction device without online services. The users have an account in a backend system, and the secured token is managed in the backend system. The users upload the token in their account via a terminal device. The token is transacted between the users in secured ways without using online services.

Abstract: Methods and systems for improving non-bank payment solutions through terminal authenticity verification. One group of improvements uses the secure payment capabilities of the above architecture to implement a bill payment system. Electronic payments from consumers who are not bank customers are now completely secure. A variety of methods are discussed to include non-banking consumers in this payment system. Another group of improvements uses the secure payment capabilities of the above architecture to implement a payroll system which allows non-banking or unbankable employees (or contractors or vendors) to receive electronic payment, and to easily reroute portions of their payments electronically to various destinations. The secure transaction capabilities of the above architecture make this possible.