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With the increase in intelligent voice phishing and the increasing reliance on open banking systems, there has been a rise in cases where individuals' personal information has been exposed, resulting in significant financial losses for the victims. Non-face-to-face transactions in the financial sector face challenges such as customer identification, ensuring transaction integrity and preventing transaction rejection. Blockchain-based distributed ledgers have been proposed as a solution but their adoption is limited due to the difficulty of managing private keys and the burden of gas fees management. This paper proposes a non-face-to-face P2P real-time token payment system that minimizes the risk of key loss by storing private keys in a keystore file and database through a server-based key management module. The proposed system simplifies token creation and management through a server-based token management module and implements an automatic gas-charging function for smooth token transactions. Transaction integrity and non-repudiation are ensured through a transaction confirmation module that uses transaction IDs without exposing personal information. Furthermore, advanced security measures such as blocking foreign IP access and DDoS defense are implemented to securely protect user data. The proposed system aims to provide a convenient, secure and accessible online payment solution to the public by implementing a self-authentication function using a web application that is not limited to smartphones or application platforms. [ABSTRACT FROM AUTHOR]