Patent ID: 11861605
Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 5:
6. The method of claim 1, further comprising:
retrieving, by the user computing device, a field level encryption key from the secured database of the user computing device;
transmitting, by the user computing device, an account provisioning request to a secured provisioning server, wherein the account provisioning request is encrypted using the field level encryption key, wherein the account provisioning request comprises a request to store transaction account data on the user computing device;
receiving, by the user computing device, a second encrypted account payload from the secured provisioning server, wherein the second encrypted account payload comprises the account payload comprising the payment credential associated with the transaction account data of the user of the user computing device;
generating, by the user computing device, an encryption (ENC) key, a message authentication code (MAC) key, and a data encryption key (DEK) key based on the device fingerprint of the user computing device and the storage root key; and
decrypting, by the user computing device, the second encrypted account payload with the ENC key, the MAC key, and the DEK key to obtain the account payload.