Payment token

A method for creating a payment token, comprising:

• receiving, by a service provider computer, a first data record and a second data record from a customer computer wherein the
• first data record comprises:
• a first data buffer signed by a first private key of the customer and having a first public key of the customer associated with the signed first data buffer, wherein the first data buffer includes a first set of parameters specified by the customer, and
• second data record comprises:
• a second data buffer signed by a second private key of the customer and having a second public key of the customer associated with the signed second data buffer, wherein the second data buffer includes a second set of parameters specified by the customer;
• combining, by the service provider, the first and second data records to create a combined data record;
• signing the combined data record with a private key of the service provider;
• and
• associating a public key of the service provider to the signed combined data record to create the payment token.

A computer system comprising:

• a processor;
• and
• at least one memory storing a set of instructions that, when executed, cause the at least one processor to create a first data buffer, by a customer, including a first set of parameters specified by the customer;
• sign the first data buffer with a private key of the customer;
• associate a public key of the customer to the signed first data buffer to create a first data record;
• transmit the first data record to a service provider;
• create a second data buffer, by the service provider, including a second set of parameters specified by the service provider;
• sign the second data buffer with a first private key of the service provider;
• associate a first public key of the service provider to the signed second data buffer to create a second data record;
• combine the first and second data records to create a combined data record;
• sign the combined data record with a second private key of the service provider;
• and
• associate a second public key of the service provider to the combined data record to create a payment token.