Abstract: A system and method is provided to register a user; assign a primary account number (PAN) to the user; create an account; create a unique cipher with keys; link, by a trusted source of identification, the PAN to an attribute of the user and to the account; receive the keys at a user device; remove the keys; generate data by a third-party to request the user to perform a transaction; present the PAN to the third-party; receive a transaction request detail; receive the data at a transaction processor based on a unique identifier of the PAN; identify the user using the unique identifier; authenticate the user; request, by the transaction processor, the device to release a key associated with the transaction request detail; decrypt stored information; and send a response, including the decrypted stored information, from the transaction processor to the third-party, thereby identifying the user.

Abstract: A system and method is provided to register a user; assign a primary account number (PAN) to the user; create an account; create a unique cipher with keys; link, by a trusted source of identification, the PAN to an attribute of the user and to the account; receive the keys at a user device; remove the keys; generate data by a third-party to request the user to perform a transaction; present the PAN to the third-party; receive a transaction request detail; receive the data at a transaction processor based on a unique identifier of the PAN; identify the user using the unique identifier; authenticate the user; request, by the transaction processor, the device to release a key associated with the transaction request detail; decrypt stored information; and send a response, including the decrypted stored information, from the transaction processor to the third-party, thereby identifying the user.

Abstract: A system and method operate with a commerce processing system to determines a dynamic currency conversion markup rate for a given merchant and card number of a customer. The system and method determine the currency that is offered to the customer for the dynamic currency conversion transaction to support an opt-in process, so that an indication of a selected currency can be passed to a merchant in addition to the converted amount. Rate lookup logic is performed for every dynamic currency conversion transaction, and the data is arranged to be quickly accessed and occupies a minimum amount of memory storage space. Each merchant can elect to use a different rate for their customers based on business arrangements with the commerce processing system, their acquirer, the nature of their business, their competitors, and prevailing local market conditions.