Abstract: A System Platform establishes a Genuine User ID (“GUID”), creates a user profile for an Intended User, generates a unique data set based upon input associated with the user profile and a digital device it has registered to the Intended User. The output of the GUID in combination with the output of an algorithm in a provisioning application enables the digital device to respond to Access Requests at an Access Point. The response from the genuine Intended User's application on their genuine digital device produces a unique data package which combines the GUID, a device ID for the digital device and the output of the algorithm using the payload obtained from one or more data management sources. The unique data package can be tailored for many different uses by the intended user, including uses which are attended or unattended, with varying levels of security.

Abstract: Systems and methods for providing token generation and password verification are disclosed. The system may be configured to receive a password input by a user, wherein the password is not stored on the system prior to receiving the password, and to generate an encryption key based on the password. The system may further be configured to decrypt a token using the encryption key and, in response to verifying that the token was properly decrypted, decrypting a credential using the encryption key. The system may additionally be configured to initiate a near-field communication transaction with a reader using the decrypted credential.