1. A method comprising: receiving, by a first server comprising a processor and a non-transitory, tangible memory, a transaction request from a user for a transaction at a merchant server; receiving, by said first server, a third party request comprising executable commands being associated with a selected programming language; scanning said third party request to find executable commands at least one of editing and removing at least a portion of said executable commands, wherein said at least one of editing and removing comprises at least one of rendering said executable commands unexecutable by a network client by removing a character of said executable commands; and rendering said executable commands unexecutable by said network client by replacing particular characters within said executable commands; issuing a challenge to a second server comprising a processor and a non-transitory, tangible memory and forwarding the challenge from said second server to the user, wherein said challenge is passed to an intelligent token for processing said challenge, wherein said intelligent token generates a response to said challenge; receiving said response by said second server from the user based upon said challenge; processing said response by said second server and verifying the intelligent token; assembling credentials for the transaction at said first server, said credentials comprising at least one key; providing at least a portion of said assembled credentials to said user; receiving, by said second server, a second request from said user, said second request including said portion of said assembled credentials provided to said user; and validating, by said second server, said portion of said assembled credentials provided to said user with said key of said assembled credentials providing access to a transaction service.