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

Claim 6:
7. A system comprising:
a user computing device comprising a hardware processor circuit and a non-transitory memory;
machine-readable instructions stored in the non-transitory memory that, when executed by the hardware processor circuit, cause the hardware processor circuit of the user computing device to at least:
obtain an account payload, wherein the account payload comprises a payment credential associated with a transaction account of a user of the user computing device;
generate a storage encryption (ENC) key and a storage message authentication code (MAC) key based on at least a device fingerprint of the user computing device and a storage root key, wherein the storage MAC key comprises a distinct numerical value based on a numerical value contained with the device fingerprint;
encrypt the account payload with the storage ENC key to form an encrypted account payload;
generate a keyed-hash message authentication code of the encrypted account payload using the storage MAC key; and
store the encrypted account payload and the digital signature keyed-hash message authentication code in a secured database of the user computing device.