Systems and methods for end to end encryption utilizing a commerce platform for card not present transactions

A non-transitory computer readable storage medium including instructions that, when executed by a processor, cause the processor to perform operations for a server computer system a card not present transaction for a merchant system, the operations comprising:

• distributing, by a server computer system, a software development kit (SDK) for development of a merchant application that enables card not present transaction processing by the server computer system on behalf of the merchant system using card data of a customer system, wherein the SDK generates a deterministic identifier and an encrypted card data in an application layer by one or more functions of the SDK upon receipt of the card data preventing merchant system storage and access to the card data in unencrypted form;
• receiving, by the server computer system from the merchant system over a communications network, a transaction request that comprises transaction parameters, the encrypted card data, and the deterministic identifier, the transaction request for a transaction between the merchant system and the customer system;
• selecting, by the server computer system, a decryption key from among a plurality of decryption keys using the deterministic identifier;
• decrypting, by the server computer system, the encrypted card data using the selected decryption key to generate unencrypted card data associated with the customer system;
• exchanging, by the server computer system with an authorization system, one or more messages to authorize the transaction based on the unencrypted card data and the transaction parameters;
• and
• in response to authorization of the transaction, transmitting, by the server computer system, an authorization message to the merchant system to authorize the transaction.

A server computer system, comprising:

• a memory;
• and
• a processor coupled with the memory configured to:
• distribute, by the server computer system, a software development kit (SDK) for development of a merchant application that enables card not present transaction processing by the server computer system on behalf of a merchant system using card data of a customer system, wherein the SDK generates a deterministic identifier and an encrypted card data in an application layer by one or more functions of the SDK upon receipt of the card data preventing merchant system storage and access to the card data in unencrypted form;
• receive, from the merchant system over a communications network, a transaction request that comprises transaction parameters, the encrypted card data, and the deterministic identifier, the transaction request for a transaction between the merchant system and the customer system;
• select a decryption key from among a plurality of decryption keys using the deterministic identifier;
• decrypt the encrypted card data using the selected decryption key
• to generate unencrypted card data associated with the customer system;
• exchange, with an authorization system, one or more messages to authorize the transaction based on the unencrypted card data and the transaction parameters;
• and
• in response to authorization of the transaction, transmit an authorization message to the merchant system to authorize the transaction.