System for securing user information using encryption

A computer implemented method for securing user information, the method comprising:

• via processing circuitry:
• receiving an encrypted first request from a first party, wherein the encrypted first request includes a unique identifier associated with an account of a user;
• sending, based on the encrypted first request, an encrypted authorization request to an operator servicing the account of the user;
• and
• receiving, in response to the encrypted authorization request, an authorization from the operator based on a result of an authorization message exchange for authorizing or not authorizing the request sent by the operator to a device associated with the user over a network controlled by the operator, wherein the authorization message exchange includes transmission of a personal identification number of the user associated with an identifier of the user to the operator in response to the authorization request for verification,
• wherein if a response to the encrypted authorization request from the operator authorizes the request, the method further includes satisfying, via the processing circuitry, a requirement of the first party from resources of the operator,
• wherein if the response to the encrypted authorization request from the operator does not authorize the request or if the authorization message is not received by the operator over the network within a predetermined period of time, declining, via the processing circuitry, to satisfy the requirement of the first party, and
• wherein no pecuniary information of the user nor the personal identification number of the user is received via the processing circuitry thereby shielding the pecuniary information of the user from the first party.

A computer program product for securing user information and including one or more computer readable instructions embedded on a tangible, non-transitory computer readable medium and configured to cause one or more computer processors to implement a method comprising:

• via processing circuitry:
• receiving an encrypted first request from a first party, wherein the encrypted first request includes a unique identifier associated with an account of a user;
• sending, based on the encrypted first request, an encrypted authorization request to an operator servicing the account of the user;
• and
• receiving, in response to the encrypted authorization request, an authorization from the operator based on a result of an authorization message exchange for authorizing or not authorizing the request sent by the operator to a device associated with the user over a network controlled by the operator, wherein the authorization message exchange includes transmission of a personal identification number of the user associated with an identifier of the user to the operator in response to the authorization request for verification,
• wherein if a response to the encrypted authorization request from the operator authorizes the request, the method further includes satisfying, via the processing circuitry, a requirement of the first party from resources of the operator,
• wherein if the response to the encrypted authorization request from the operator does not authorize the request or if the authorization message is not received by the operator over the network within a predetermined period of time, declining, via the processing circuitry, to satisfy the requirement of the first party, and
• wherein no pecuniary information of the user nor the personal identification number of the user is received via the processing circuitry thereby shielding the pecuniary information of the user from the first party.