Abstract: Method system, and apparatus for perpetual cyber value add discount process are provided. The method includes: A method for Perpetual Cyber Value Add Discount Process, comprising identifying a number of available tickets for a service provided by an organization which will be unused, selling the available tickets to a customer prior to the start of the service for which the ticket is bought, generating a sale confirmation number to the customer which allows the customer to access the service, and sending the sale confirmation number information to the customer and the organization providing the service.

Abstract: A systems, methods, and devices for enabling a credit holder to securely transmit credit data and set temporary credit limits, distinct from limits set by a lending institution, are provided. One embodiment of the method provides for encrypting credit data over a network through a multiple encryptions prior to enabling a user access to personally set credit limits.