Abstract: The present disclosure has a merchant computing device communicatively coupled to a customer computing device via a network and a transaction computing device securely coupled to the merchant computing device and coupled to a debit network. In addition, the present disclosure has logic configured to enable a user of the customer computing device to modify personalization data stored on the transaction computing device based upon an approval obtained via the debit network during a transaction with the merchant computing device. In addition, the personalization data comprises a phrase and an image and the logic is further configured to display the phrase and the image to the user when the user performs a transaction with the transaction computing device.

Abstract: A storage process for electronic messages, the process including the steps of receiving an electronic message over a messages network, generating metadata for the message that verifies content of the message, and archiving the message and the metadata to verify sending and content of the message. The invention also relates to a system for storing electronic messages. The process and system are particularly useful in situations where it is necessary to verify the contents of an electronic message to ensure that it is not altered. One advantage of the invention is that it provides a secure tamper-proof record of electronic messages that is kept secure and cannot be readily destroyed.