Disclosed is a method, system and apparatus for transferring protected data having an authorizing entity's outer encryption layer and having a user-fixed inner encryption layer from a first electronic device having a first unique, unalterable identifier to a second electronic device having a second unique, unalterable identifier. A central unit includes a receiver configured to receive from the first electronic device protected data having an authorizing entity's first outer encryption layer corresponding to the first unique, unalterable identifier and having a user-fixed inner encryption layer; a processor configured to decrypt the authorizing entity's first outer encryption layer of the protected data; a processor configured to encrypt an authorizing entity's second outer encryption layer of the protected data corresponding to the second unique, unalterable identifier; and a transmitter configured to transmit protected data to the second electronic device.