Abstract: The invention is directed to a cyber-attack proof, hack proof, two tier, bi-level computer system and methods. In particular, the invention protects against cyber-attacks and hacking.

Abstract: The invention is directed to a cyber-attack proof, hack proof, two tier, bi-level computer system and methods. In particular, the invention protects against cyber-attacks and hacking.

Abstract: The invention is directed to a cyber-attack proof, hack proof, two tier, bi-level computer system and methods. In particular, the invention protects against cyber-attacks and hacking.

Abstract: Systems and methods for secure verification of point of sale transactions to reduce fraudulent transactions are described herein. The system includes a backend communications module; a merchant point of sale network in communication with the backend communications module, adapted to transmit requests for authorization of a transaction and receive confirmation or denial of authorization of the transaction; a portable user device in communication with the backend communications module; a bank network in communication with the backend communications module, adapted to receive requests for authorization of transactions, determine if the user authorizes a transaction, and confirm or deny the transaction based on the user's authorization; and software executing on the portable user device adapted to pre-authorize transactions and authorize or deny a currently pending transaction. There is no direct communication between the merchant network, the portable user device, and the bank network.