Abstract: The invention is directed toward systems, methods and computer program products that enable end to end user authentication along with encryption to mitigate the risks posed by untrusted or unsecure intermediary entities. The invention (i) enables full end to end encryption of sensitive data that has been input by a user on a terminal device at one end, and the intended or authorized recipient at the other end, (ii) ensures that data entered by the user on the terminal device is not readable by any intermediary entity including a partner application or other software application implemented within the terminal device, and (iii) eliminates the risk of successful local attacks on the terminal device to unauthorizedly access user data, or to unauthorizedly obtain access to encryption/decryption keys that can be used to unauthorizedly access encrypted user data.

Abstract: The invention is directed toward systems, methods and computer program products that enable end to end user authentication along with encryption to mitigate the risks posed by untrusted or unsecure intermediary entities. The invention (i) enables full end to end encryption of sensitive data that has been input by a user on a terminal device at one end, and the intended or authorized recipient at the other end, (ii) ensures that data entered by the user on the terminal device is not readable by any intermediary entity including a partner application or other software application implemented within the terminal device, and (iii) eliminates the risk of successful local attacks on the terminal device to unauthorizedly access user data, or to unauthorizedly obtain access to encryption/decryption keys that can be used to unauthorizedly access encrypted user data.