| CPC H04L 63/0853 (2013.01) [G06F 16/27 (2019.01); G06F 21/44 (2013.01); H04L 9/0869 (2013.01); H04L 9/3234 (2013.01)] | 20 Claims |

|
1. A method comprising:
receiving, at a second device, a request from a first device to execute a payment transaction with the second device, the request including an identifier associated with the second device;
responsive to receiving the request to execute the payment transaction at the second device, transmitting, from the second device, a request to a verification system to authenticate the second device;
receiving, at the second device, a response to the request to authenticate, from the verification system, the response indicating a randomized sequence of database entries for use in token generation by the second device;
accessing a first database associated with the second device to extract a first plurality of data elements indicated by the randomized sequence;
generating a first token based on the first plurality of data elements;
transmitting the first token to the first device;
sending the first token from the first device to the verification system for validation;
receiving a response at the first device indicating whether the verification system validated the first token; and
responsive to the response received at the first device indicating that the verification system validated the first token, approving, at the first device, the second device for execution of the payment transaction.
|