Abstract: Systems and methods for storing cardholder data and processing transactions are provided. Cardholder data is received at a server computer, the cardholder data including consumer credentials to be stored and at least one data item not to be stored. A unique consumer reference token is obtained and combined with the data item not to be stored and the combination encrypted to form an encrypted token. The encrypted token is transmitted to a third party for storage and is erased from the server computer. At the time of transaction, the encrypted token is received and decrypted to yield the data item not to be stored, so that a transaction can be initiated using stored consumer credentials and the data item not to be stored. The unique consumer reference token encrypted together with the data item enables the server computer to perform validation checks on the encrypted token.

Abstract: Systems and methods for storing cardholder data and processing transactions are provided. Cardholder data is received at a server computer, the cardholder data including consumer credentials to be stored and at least one data item not to be stored. A unique consumer reference token is obtained and combined with the data item not to be stored and the combination encrypted to form an encrypted token. The encrypted token is transmitted to a third party for storage and is erased from the server computer. At the time of transaction, the encrypted token is received and decrypted to yield the data item not to be stored, so that a transaction can be initiated using stored consumer credentials and the data item not to be stored. The unique consumer reference token encrypted together with the data item enables the server computer to perform validation checks on the encrypted token.

Abstract: A web-based data processing system providing subscribers with a facility to open an Internet bank account directly, an online shopping facility and various other services. The system includes a central computing facility including a transaction manager server (12) and a client administration system (CAS) server (14) which are connected to banking servers (16, 18) of a banking institution (20). The transaction manager server (12) is connected to various merchants, via an online shopping facility (22) and a plurality of different e-commerce websites (24). The server (14) handles client user interfaces, whereas the server (12) interfaces with the banking servers and online shopping facility (22) and the e-commerce websites (24). The transaction manager handles all transactions and external communications between the various servers.