Lixia(pron.Lesha) Zhu
Using data to innovate fintechs in #Payments #OmniCommerce #Blockchain #Risk
Lixia(pron.Lesha) Zhu LinkedIn
Lixia(pron.Lesha) Zhu LinkedIn
Lixia(pron.Lesha) Zhu Telegram
Lixia(pron.Lesha) Zhu Telegram
Lixia(pron.Lesha) Zhu X
Lixia(pron.Lesha) Zhu X
Building Ciphorama
Co-Founder & CEO for Ciphorama - the Blockchain Risk Management Platform
Co-Founder & CEO for Ciphorama - the Blockchain Risk Management Platform
EIR for Columbia Startup Lab as 2023-2024 Cohort
EIR for Columbia Startup Lab as 2023-2024 Cohort
Patents & Publications
(Payments) Tokenization Patent
(Payments) Tokenization Patent
A gateway encryption service is used to ensure consistent, source independent tokenization for payment accounts and synchronizing payment account information with merchants. A consistent, evergreen merchant-facing token is generated and used for each payment account for the merchant, ensuring that regardless of the payment method used by the customer (e.g., plastic card point-of-sale, pay wallet, saved card information) for the same underlying account, the merchant has a single token. Further, if the account number for the underlying payment account changes (e.g., the card expires or is stolen) the merchant-facing token remains consistent. The evergreen token ensures that the system functions more efficiently, saving resources in processing and storage and ensuring less network traffic for failed transactions. The system further implements encryption and security despite the consistent tokenization, further saving resources.
Open Banking API for Financial Institutions
Open Banking API for Financial Institutions
In the News
Speaker at FTT Embedded Finance & Super-Apps
Speaker at FTT Embedded Finance & Super-Apps
Episode 174 – Leaders in Payments Podcast
Episode 174 – Leaders in Payments Podcast
As we continue our journey through honoring our women in payments leaders this month, my next guest is another exceptional individual that does nothing short of inspire. Her name is Lixia Zhu and she is the global head of product for Vynamic Payments at Diebold Nixdorf. For those of you who may not know Diebold Nixdorf is an […]
Giving Back to Community
Investor & Advisor for Fintech/Payments companies
Investor & Advisor for Fintech/Payments companies
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