TOKENIZED ACCOUNT INFORMATION WITH INTEGRATED AUTHENTICATION

Techniques are disclosed relating to tokenized account information with integrated authentication. In some embodiments, a shared secret key is used for tokenization and authentication. In some embodiments, a payment device stores an encrypted version of the secret key and decrypts the secret key based on a user-provided password. In some embodiments, the payment device uses the secret key and a moving factor to generate a limited-use password. In some embodiments, the payment device uses the limited-use password to modify a first identifier of an account of the user. In some embodiments, the authentication system retrieves a stored version of the secret key and a copy of the account number using a second identifier. In some embodiments, the authentication system generates the limited-use password based on the stored secret key and a moving factor, de-tokenizes the modified first identifier, and compares the result with the retrieved copy of the account number.