Systems and methods for transmitting financial account information

A non-transitory computer-readable medium comprising instructions, wherein the instructions, when executed by at least one processor, cause the at least one processor to perform operations comprising:

• receiving a reversibly encrypted transmission packet comprising a random data string, a client identification number, a portion of an account number and an irreversibly encrypted inner packet,
• the irreversibly encrypted inner packet comprising an irreversibly encrypted form of a copy of the random data string, the account number, and a copy of the client identification number;
• decrypting the reversibly encrypted transmission packet and extracting the random data string, the client identification number, the portion of the account number, and the irreversibly encrypted inner packet;
• selecting a registered account number from a database based on the client identification number and the portion of the account number;
• irreversibly encrypting the random data string, the client identification number, and the registered account number in order to create a verification packet;
• and
• determining if the verification packet matches the received inner packet;
• and
• based on a determination that the verification packet matches the received inner packet, processing a payment using the registered account number.

A method for payment verification, comprising:

• receiving, by at least one processor, a reversibly encrypted transmission packet comprising a random data string, a client identification number, a portion of an account number and an irreversibly encrypted inner packet,
• the irreversibly encrypted inner packet comprising an irreversibly encrypted form of a copy of the random data string, the account number, and a copy of the client identification number;
• decrypting, by the at least one processor, the reversibly encrypted transmission packet and extracting the random data string, the client identification number, the portion of the account number, and the irreversibly encrypted inner packet;
• selecting, by the at least one processor, a registered account number from a database based on the client identification number and the portion of the account number;
• irreversibly encrypting, by the at least one processor, the random data string, the client identification number, and the registered account number in order to create a verification packet;
• and
• determining, by the at least one processor, that the verification packet matches the received inner packet;
• and
• based on the determination processing, by the at least one processor, a payment using the registered account number.