A token-based electronic device interaction system for transferring data between a user device associated with a user and a remote device (125; 150), comprising: a memory storing instructions; and a token server configured to execute the stored instructions to: receive, via a network, transaction information from the remote device (125; 150), wherein the transaction information is associated with a pending electronic transaction; access information associated with at least one of the user or the user device; analyze the received transaction information and accessed information to compile data in preparation for generating an electronic token by extracting details about the pending electronic transaction; generate the electronic token is specific to the pending electronic transaction, wherein the electronic token includes an alphanumeric string or electronic file that includes pointers to sensitive account information, but does not include the sensitive account information; configure expiration parameters associated with the electronic token using rules sets from a transaction server, wherein the expiration parameters are based on the transaction information; and provide the electronic token to the remote device (125; 150). a memory storing instructions; and a token server configured to execute the stored instructions to: receive, via a network, transaction information from the remote device (125; 150), wherein the transaction information is associated with a pending electronic transaction; access information associated with at least one of the user or the user device; analyze the received transaction information and accessed information to compile data in preparation for generating an electronic token by extracting details about the pending electronic transaction; generate the electronic token is specific to the pending electronic transaction, wherein the electronic token includes an alphanumeric string or electronic file that includes pointers to sensitive account information, but does not include the sensitive account information; configure expiration parameters associated with the electronic token using rules sets from a transaction server, wherein the expiration parameters are based on the transaction information; and provide the electronic token to the remote device (125; 150). receive, via a network, transaction information from the remote device (125; 150), wherein the transaction information is associated with a pending electronic transaction; access information associated with at least one of the user or the user device; analyze the received transaction information and accessed information to compile data in preparation for generating an electronic token by extracting details about the pending electronic transaction; generate the electronic token is specific to the pending electronic transaction, wherein the electronic token includes an alphanumeric string or electronic file that includes pointers to sensitive account information, but does not include the sensitive account information; configure expiration parameters associated with the electronic token using rules sets from a transaction server, wherein the expiration parameters are based on the transaction information; and provide the electronic token to the remote device (125; 150).