Authorizing payments using pre-registered customer tokens

A computer program product comprising:

• a computer-readable storage medium having computer-readable program code embodied therewith, the computer-readable program code executable by one or more computer processors to:
• receive payment information;
• receive a communication from an electronic device of a user, wherein the communication comprises a token that corresponds to the combination of the user and the electronic device;
• transmit, to a payment processor of a payment network, the token and an identifier of the electronic device that is derived from the communication;
• and
• receive, from the payment network, a payment authorization that indicates that the token and the identifier of the electronic device were previously registered with an issuer corresponding to the payment information.

A system comprising:

• one or more computer processors;
• and
• a memory storing program code executable by the one or more computer processors to perform a payment authorization service comprising:
• receiving payment information;
• receiving a communication from an electronic device of a user, wherein the communication comprises a token that corresponds to the combination of the user and the electronic device;
• transmitting, to a payment processor of a payment network, the token and an identifier of the electronic device that is derived from the communication;
• and
• receiving, from the payment network, a payment authorization that indicates that the token and the identifier of the electronic device were previously registered with an issuer corresponding to the payment information.