SECURE SMS / EMAIL TOKENIZATION SYSTEMS

摘要

Methods and systems for secure SMS or e-mail message tokenization are described. A user may process a transaction and/or register with a billing platform at least partly through a SMS or e-mail message. The user account information may be tokenized. Future payments from the user may be processed through tokenized SMS or e-mail messages sent by a billing management platform according to the registered user account information.

主权项

1. A transaction processing system, comprising:
one or more non-transitory memories configured to store instructions; and one or more hardware processors coupled to the non-transitory memories, communicatively connected to a message gateway, and configured to read instructions from the non-transitory memory to cause the system to perform operations comprising:
receive a transaction initiation indication;generate an initial billing transmittal message;communicate the initial billing transmittal message to the message gateway;receive, from the message gateway and in response to the initial billing transmittal message received by a user device via an e-mail and/or a short message service from the message gateway, an initial billing response message generated by the user device and comprising user billing information;process a payment based on the user billing information; andstore or communicate the user billing information.