Multichannel authentication and tokenization system

Abstract

In some embodiments, apparatuses and methods are provided herein useful to multichannel authentication and tokenization. A system comprises a first authentication system serving a plurality of in-store point of sale terminals and implementing a physical channel authentication policy and a second authentication system serving a plurality of user devices accessing an e-commerce service and implementing an e-commerce channel authentication policy, and a tokenization system. The tokenization system being configured to generate a first token in response to receiving a first user credential from an in-store point of sale terminal via the first authentication system, generate a second token in response to receiving a second user credential from a user device via the second authentication system, and forward the first token and the second token to the retailer backend system, wherein the first token and the second token are generated based on a same tokenization protocol.