Abstract: A system, method and computer program product for securing user information, including processing circuitry that receives an encrypted first request from a first party and that includes a unique identifier associated with an account of a user, sends, based on the encrypted first request, an encrypted authorization request to an operator servicing the account of the user, and receives, in response to the encrypted authorization request, an authorization from the operator based on a result of an authorization message exchange for authorizing or not authorizing the request sent by the operator to a device associated with the user over a network controlled by the operator. No pecuniary information of the user nor the personal identification number of the user is received by the processing circuitry thereby shielding the pecuniary information of the user from the first party.

Abstract: A system, method and computer program product for validating a transaction and recording the transaction to a trusted and/or immutable electronic ledger by implementing a first transaction between a user and an entity, upon concluding the first transaction, providing the user a possibility of entering into a complimentary second transaction via a graphical user interface, implementing the complimentary second transaction, and accessing a transaction system database to create profile of the user, permitting the user to complete the profile via the graphical user interface and set at least one authentication basis, validating the profile using the at least one authentication basis, and recording the first transaction and the complimentary second transaction in the trusted and/or immutable ledger in response to the validation.