A computer implemented method for utilizing secure electronic tokens in an electronic tokening system, the method comprising: generating, by a processor, a plurality of secure electronic tokens, each secure electronic token including a particular value of financial instrument managed by the processor and having an actual value that fluctuates over time and time data indicative of a period of time for which the particular value is valid; transmitting, by the processor via a network, the plurality of secure electronic tokens to a plurality of terminals remote from the processor and operative to facilitate payment for goods and/or services via a financial device associated with at least a portion of the financial instrument; receiving, by the processor, an augmented one of the plurality of secure electronic tokens from one of the plurality of terminals via the network, the one of the plurality of secure electronic tokens having been augmented with data indicative of acceptance of the particular value in the secure electronic token for use in conjunction with an attempt to utilize the financial device for payment for goods and/or services via the one of the plurality of terminals; validating, by the processor, the augmented secure electronic token to determine that the acceptance of the particular value in the secure electronic token for use in conjunction with an attempt to utilize the financial device occurred within the period of time; and transmitting, by the processor, the validated augmented secure electronic token to the terminal transmitting the augmented secure electronic token via the network to authorize the use of the financial device for payment and enable the terminal to determine an operative value for the financial device based on the particular value available for the payment upon receipt by the terminal regardless of whether an actual value of the financial instrument has changed subsequent to the transmitting of the plurality of secure electronic tokens. generating, by a processor, a plurality of secure electronic tokens, each secure electronic token including a particular value of financial instrument managed by the processor and having an actual value that fluctuates over time and time data indicative of a period of time for which the particular value is valid; transmitting, by the processor via a network, the plurality of secure electronic tokens to a plurality of terminals remote from the processor and operative to facilitate payment for goods and/or services via a financial device associated with at least a portion of the financial instrument; receiving, by the processor, an augmented one of the plurality of secure electronic tokens from one of the plurality of terminals via the network, the one of the plurality of secure electronic tokens having been augmented with data indicative of acceptance of the particular value in the secure electronic token for use in conjunction with an attempt to utilize the financial device for payment for goods and/or services via the one of the plurality of terminals; validating, by the processor, the augmented secure electronic token to determine that the acceptance of the particular value in the secure electronic token for use in conjunction with an attempt to utilize the financial device occurred within the period of time; and transmitting, by the processor, the validated augmented secure electronic token to the terminal transmitting the augmented secure electronic token via the network to authorize the use of the financial device for payment and enable the terminal to determine an operative value for the financial device based on the particular value available for the payment upon receipt by the terminal regardless of whether an actual value of the financial instrument has changed subsequent to the transmitting of the plurality of secure electronic tokens. <EOS>