Abstract: A merchant computer system receives a first token transmitted to the merchant computer system from a customer device. A request for a second token is transmitted from the merchant computer system to a payment processor computer. The request includes the first token. The merchant computer system receives the second token that it requested. The second token is different from the first token. The merchant computer system transmits a payment account system transaction request to the payment processor computer. The latter request includes the second token.

Abstract: Provided are a system and methods for reducing the amount of payment information stored by a merchant. In one example, a method includes receiving payment card information of a cardholder from a payment information receiving module displayed in a web browser of a computing device, generating a token for the payment card information received from the payment information receiving module, and transmitting the generated token to a merchant server for a transaction between the merchant and the cardholder. According to various aspects, the payment information receiving module is displayed in the web browser of the computing device in response to a merchant website being displayed therein, and the payment card information is received by the payment processing server, from the payment information receiving module, without being stored by the computing device and without passing through the merchant server.