Abstract: Large volumes of financial transactions are processed today across a variety of financial platforms including but not limited to debit cards, credit cards, prepaid cards, e-purse, Automatic Teller Machine (ATM) transactions, and Point of Sale (POS) cards. It would be beneficial if financial transaction software systems and/or software applications supported discrete and periodic transactions wherein the timescales of transactions may be established with high flexibility. It would be further of benefit if the financial system provided increased security such that customer specific financial data is stored within a trusted platform wherein external databases identifying a customer cannot be linked directly to that within the trusted platform. Further it would beneficial for such a system to exploit an encryption key pool such that an encryption key employed was only identified through a unique identity and that said encryption keys within the pool may be expired with arbitrary policies.