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

Claim 16:
17. The non-transitory computer readable storage medium of claim 13, wherein the machine-readable instructions further cause the hardware processor circuit of the user computing device to:
retrieve a field level encryption key from the secured database of the user computing device;
transmit 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;
receive 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;
generate 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
decrypt the second encrypted account payload with the ENC key, the MAC key, and the DEK key to obtain the account payload.