"Method And System For Secure Transactions Between User Transaction Accounts"

A system for securely completing a transaction between a first transaction account of a first user and a second transaction account of a second user, the system comprising:

• a first non-transitory computer readable medium containing program instructions executable by a first account management device comprising at least one processor, the program instructions programmed or configured to facilitate management of at least one first financial device associated with the first transaction account, the first transaction account being assigned at least a first account pay-send token;
• a second non-transitory computer readable medium containing program instructions executable by a second account management device comprising at least one processor, the program instructions programmed or configured to facilitate management of at least one second financial device associated with the second transaction account, the second transaction account being assigned at least a second account pay-receive token;
• and
• at least one token management server in communication with a token database and programmed or configured to:
• generate the first account pay-send token and the second account pay-receive token;
• assign the first account pay-send token to the first transaction account in the token database;
• assign the second account pay-receive token to the second transaction account in the token database;
• and
• in response to receiving a transaction request from the first account management device, query financial devices corresponding to each token and communicate with at least an issuer institution of the at least one first financial device to complete the transaction from the first transaction account to the second transaction account for a transaction value.

A computer-implemented method for securely completing a transaction between a first transaction account of a first user and a second transaction account of a second user, the method comprising:

• receiving, with at least one processor, input by the first user comprising financial device data for a first financial device associated with the first transaction account, the financial device data comprising at least one of the following:
• a first financial device identifier, a first financial device billing address, a first financial device security code, a first financial device expiration date, or any combination thereof;
• transmitting, with at least one processor, a request to a token management server to generate new transaction account tokens, the new transaction account tokens comprising a first account pay-send token and a first account pay-receive token associated with the first transaction account;
• receiving from the token management server, with at least one processor, the new transaction account tokens;
• generating and transmitting to an account management device of the second user, with at least one processor, an invitation to transact for a transaction value;
• and
• receiving from the account management device of the second user, with at least one processor, a communication accepting the invitation to transact.