Tokenized account information with integrated authentication

A non-transitory computer-readable medium having instructions stored thereon that are executable by a computing device to perform operations comprising:

• storing or receiving first and second identifiers associated with an account of a user;
• decrypting, using a password, an encrypted first instance of a secret key;
• generating, based on the secret key and a moving factor, a limited-use password;
• generating, using the limited-use password, a modified version of the first identifier;
• and
• transmitting the modified first identifier and the second identifier to a transaction processing system configured to:
• retrieve, using the second identifier, a second instance of the secret key and a copy of the first identifier;
• use the retrieved second instance of the secret key and the moving factor to reconstruct the first identifier from the modified first identifier;
• and
• authenticate a transaction of the user based on a comparison of the reconstructed first identifier to the retrieved copy of the first identifier.

A method, comprising:

• receiving, by a computing system, a modified first identifier and a second identifier associated with an account of a user, wherein the modified first identifier is generated by:
• decrypting, using a password, an encrypted first instance of a secret key;
• generating, based on the secret key and a current time of day, a first limited-use password;
• and
• generating, using the limited-use password and the first identifier, the modified first identifier;
• retrieving, by the computing system using the second identifier, a second instance of the secret key and a copy of the first identifier;
• using, by the computing system, the retrieved second instance of the secret key to generate a second limited-use password and reconstruct the first identifier from the modified first identifier;
• and
• authenticating, by the computing system, a transaction of the user based on a comparison of the reconstructed first identifier to the retrieved copy of the first identifier.