Abstract: According to one embodiment, a system includes a memory comprising instructions, an interface, and a processor communicatively coupled to the memory and the interface. The interface is configured to receive, from a user device, a token to complete a transaction, send, to an issuer server, a request to verify the received token, and receive, in response to the request to verify the received token, translated information associated with the token. The processor is configured, when executing the instructions, to process the transaction using the translated information.

Abstract: According to one embodiment, a system includes a memory comprising instructions, an interface, and a processor communicatively coupled to the memory and the interface. The interface is configured to receive, from a user device, a request to create a token associated with a financial account. The processor is configured, when executing the instructions, to generate, based on the request, a token associated with the financial account and the user device. The interface is further configured to send the generated token to the user device for storage, and the processor is further configured to generate a token record associated with the generated token.