Secure payment using a network of wearable devices

A method implemented by one or more processors executing computer program instructions that, when executed, perform the method, the method comprising:

• storing and rotating through, by a first device of a wearable personal mesh network, a plurality of virtual slots each storing a virtual token associated with a financial account;
• identifying, by the first device, a first virtual token stored in a first virtual slot of the plurality of virtual slots in connection with receipt of a transaction request;
• and
• transmitting, by a second device of the wearable personal mesh network, to a merchant device, user authentication data and the first virtual token to cause the merchant device to obtain information related to a first financial account associated with the first virtual token to facilitate a payment transaction,
• wherein each of the first device, the second device, and at least a third device comprise a short-range transceiver configured to relay information to one another, and at least the first device, the second device, and the third device form the wearable personal mesh network.

A non-transitory computer-readable media storing instructions that, when executed by one or more processors, effectuate operations comprising:

• obtaining information from a first device of a wearable personal mesh network, wherein the first device stores and rotates through a plurality of virtual slots, each of the plurality of virtual slots storing a virtual token associated with a financial account;
• identifying a first virtual token stored in the plurality of virtual slots responsive to a transaction request being received;
• and
• instructing a second device of the wearable personal mesh network to transmit, to a merchant device, user authentication data and the first virtual token to cause the merchant device to obtain information related to the financial account associated with the first virtual token to facilitate a payment transaction,
• wherein each of the first device, the second device, and a third device comprise a short-range transceiver configured to relay information to one another, and at least the first device, the second device, and the third device form the wearable personal mesh network.