Abstract: Computer-implemented systems, methods, and computer-readable media electronic for financial transfers include: receiving a request for a set of at least one Icheck tokens; generating the set of Icheck tokens, each Icheck token including a unique identifier, a set of payer data, and a set of signature data, wherein each Icheck token is configured to be transferable over plural media; transmitting the set of Icheck tokens to a payer device; receiving from a payee device an Icheck token from the set of Icheck tokens; authenticating the Icheck token by analyzing at least one of the unique identifier, the set of payer data, and the set of signature data; transmitting a non-payment notice if the authenticating step reveals the Icheck token is not authentic; and transmitting payment according to the set of signature data if the Icheck token is authentic.