use case: Payswarm / Web Payments

Dear all,

Is PaySwarm essentially a back end such that paying online and in person is
essentially the same (i.e. you just put another interface in front of it to
adapt to paying at the register with a cell phone or with register
equipment?) Is there anyway to resolve disputes with Payswarm, or does it
go to that level?

The Wallet (i.e. the Dashboard for the PaySwarm Authority) is secured?

Thanks,

Brent