A system, method, and computer program product for authenticating a user for a transaction; generate an electronic wallet key pair including an electronic wallet public key and a corresponding electronic wallet secret key, the electronic wallet key pair associated with an electronic wallet transaction processing system; receive a payment gateway public key corresponding to a payment gateway secret key, the payment gateway public key and the payment gateway secret key associated with a payment gateway system; generate a public re-encryption key based on the payment gateway public key; communicate, to the payment gateway system, the public re-encryption key; receive or determine encrypted transaction data associated with a transaction, the encrypted transaction data including an account identifier encrypted with the electronic wallet public key; re-encrypt the encrypted transaction data with the public re-encryption key; and communicate, to the payment gateway system, the re-encrypted transaction data.