Patent ID: 11930122
Assignee: TRUIST BANK
Field: Digital communication (Electrical engineering)
Classification: CPC H  G | IPC G  H

Claim 5:
6. A method comprising:
determining, by a processor, a token code;
determining, by the processor, a signature key;
transmitting, by the processor, the token code and the signature key to a user device;
storing, by the processor, the token code and the signature key in a database;
determining, by the processor, a device identifier associated with the user device;
storing, by the processor, the device identifier in the database;
receiving, by the processor, a request for secure information from the user device, wherein the request includes:
the token code;
a timestamp; and
an encrypted signature including a version of the timestamp and the token code encrypted by the user device using the signature key; and

subsequent to receiving the request:
generating, by the processor, a server-side signature that includes a version of the timestamp and the token code encrypted using a stored signature key;
comparing, by the processor, the server-side signature to the encrypted signature in the request to determine a signature match;
based on determining the signature match, authenticating, by the processor, the user device to access the secure information;
determining, by the processor, a user identifier associated with the device identifier in the database, the user identifier corresponding to a user of the user device; and
retrieving, by the processor, the secure information from the database based on a correlation between the user identifier and the secure information in the database.