Systems, methods, and computer program products providing an identity-storing browser

1. A method performed by a browser server including conveying an indication of a payment instead of a payment instrument of a user to a merchant server during a transaction between a computing device of the user and the merchant server over a network, comprising:

receiving, by the browser server, the payment instrument of the user from the computing device;

performing, by the browser server, a secure handshake with an electronic shopping cart on the merchant server over the network;

receiving, by the browser server from a browser client application of the computing device, user-authenticating data;

retrieving, by the browser server from the computing device, encrypted secure user data;

decrypting, by the browser server, the retrieved encrypted secure user data using the user-authenticating data;

authenticating, by the browser server, the user based on the user-authenticating data and the decrypted secure user data;

in response to authenticating the user, transmitting, by the browser server, the indication of the payment to the electronic shopping cart;

processing, by the browser server, the transaction using the payment instrument of the user after transmitting the indication of the payment; and

recording, by the browser server, the transaction in a blockchain in the computing device including the payment instrument of the user.

2. The method of claim 1 , further comprising, prior to the retrieving the encrypted secure user data:

encrypting, by the browser client application, the secure user data; and

storing, by the browser client application, the encrypted secure user data on the computing device.

3. The method of claim 2 , further comprising: storing, by the browser server, the encrypted secure user data in a block of the blockchain.

4. The method of claim 1 , wherein recording the transaction in the blockchain comprises:

generating a block of the blockchain including the payment instrument, an identification of the transaction and an identification of the electronic shopping cart; and

encrypting the block using a key associated with the browser server.

5. The method of claim 1 , wherein receiving the user-authenticating data comprises:

receiving biometric data or a personal identification number (PIN) from the browser client application of the computing device.

6. The method of claim 1 , wherein processing the transaction comprises:

transmitting an identification of the transaction and at least a portion of the decrypted secure user data to a financial entity.

7. The method of claim 1 , wherein transmitting the indication of the payment includes displaying, by the browser client application of the computing device of the user, a selectable payment option, the user interface omitting entry of user account information into the electronic shopping cart.

8. The method of claim 1 , wherein recording the transaction in the blockchain comprises:

recording the transaction in a side chain of the blockchain during the transaction;

determining that the transaction has been completed; and

adding the side chain to the blockchain in response to the determining that the transaction has been completed.

9. A system, comprising:

one or more hardware processors; and

a non-transitory memory storing instructions that, when executed by the one or more hardware processors, cause the one or more hardware processors to perform a method including conveying an indication of a payment instead of a payment instrument of a user to a merchant server during a transaction between a computing device of the user and the merchant server over a network, the method comprising:

receiving the payment instrument of the user from the computing device;

performing a secure handshake with an electronic shopping cart on the merchant server over the network;

receiving user-authenticating data from a browser client application of the computing device;

retrieving encrypted secure user data from the computing device;

decrypting the retrieved encrypted secure user data using user-authenticating data;

authenticating the user based on the user-authenticating data and the decrypted secure user data;

in response to authenticating the user, transmitting the indication of the payment to the electronic shopping cart;

processing the transaction using the payment instrument of the user after transmitting the indication of the payment; and

recording the transaction in a blockchain in the computing device including the payment instrument of the user.

10. The system of claim 9 , wherein the instructions, when executed by the one or more hardware processors, further causes the one or more hardware processors to further perform the method of: storing the encrypted secure user data in a block of the blockchain.

11. The system of claim 9 , wherein the recording the transaction in the blockchain comprises:

generating a block of the blockchain, including an identification of the transaction and an identification of the electronic shopping cart; and

encrypting the block using a key associated with the browser.

12. The system of claim 9 , wherein the receiving the user-authenticating data further comprises:

receiving biometric data or a personal identification number (PIN) from the browser client application of the computing device.

13. The system of claim 9 , wherein the processing the transaction further comprises:

transmitting an identification of the transaction and at least a portion of the decrypted encrypted secure user data to a financial entity.

14. The system of claim 9 , wherein the recording the transaction in the blockchain further comprises:

recording the transaction in a side chain of the blockchain during the transaction;

determining that the transaction has been completed; and

adding the side chain to the blockchain in response to the determining that the transaction has been completed.

15. A non-transitory machine-readable medium having stored thereon machine-readable instructions that, when executed, cause one or more hardware processors to perform a method including conveying an indication of a payment instead of a payment instrument of a user to a merchant server during a transaction between a computing device of the user and the merchant server over a network, the method comprising:

receiving the payment instrument of the user from the computing device;

performing a secure handshake with an electronic shopping cart on the merchant server over the network;

receiving user-authenticating data from a browser client application of the computing device;

retrieving encrypted secure user data from the computing device;

decrypting the retrieved encrypted secure user data from the computing device;

authenticating the user based on the user-authenticating data and the decrypted secure user data;

in response to authenticating the user, transmitting the indication of the payment to the electronic shopping cart;

processing the transaction using the payment instrument of the user after transmitting the indication of the payment; and

recording the transaction in a blockchain in the computing device including the payment instrument of the user.