Abstract: A method comprises receiving, by a payment service from a point of sale (POS) system, a payment request having sale data and a card data token, generating a detokenize and erase request including the card data token, sending the detokenize and erase request to a token service, receiving, by the payment service, card data from the token service in response to the sending the detokenize and erase request, generating a payment process request comprising the sale data and the card data, sending the payment process request to a payment authorization service, receiving a payment response from the payment authorization service in response to the sending the payment process request, and sending the payment response to the POS system.

Abstract: Embodiments of a system that performs authentication during a financial transaction are described. During operation, this system asks a prospective customer a subset of questions from a set of questions, where the subset of questions has a probability of being different from those asked while previously or subsequently asking questions of the prospective customer or another prospective customer. Next, the system receives answers to the subset of questions from the prospective customer, thereby confirming that the prospective customer is a customer associated with a financial transaction. Then, the system provides transitory information associated with the financial transaction that, for the customer, uniquely identifies a provider of the financial transaction, thereby completing the authentication.

Abstract: Embodiments of a system that performs authentication during a financial transaction are described. During operation, this system asks a prospective customer a subset of questions from a set of questions, where the subset of questions has a probability of being different from those asked while previously or subsequently asking questions of the prospective customer or another prospective customer. Next, the system receives answers to the subset of questions from the prospective customer, thereby confirming that the prospective customer is a customer associated with a financial transaction. Then, the system provides transitory information associated with the financial transaction that, for the customer, uniquely identifies a provider of the financial transaction, thereby completing the authentication.