Token is a free-to-use mobile app that enables individuals to pay for goods and services anonymously using a pseudo card number and name. Token adds an identity protection layer between the consumer and the payment ecosystem, including credit card companies, banks, and issuers. The app instantly creates aliases associated with the consumers’ bank account or credit card to avoid using consumers’ real identity and to eliminate any opportunity for fraud. Integrated with mobile devices, Token defines a new standard for payment security with advanced security capabilities from encryption, to proprietary algorithms, to biometrics.