Patent ID: 11922407
Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 6:
7. A system comprising a server of a remote access system comprising at least one processor, the server being programmed or configured to:
receive a payment device enrollment request from an application provider system through a first communication channel comprising a first data transmission path, the payment device enrollment request comprising payment device data associated with a payment device of a user;
in response to receiving the payment device enrollment request, generate a unique payment device token associated with the payment device;
transmit the unique payment device token for storage on a client device of the user by transmitting a payment device enrollment response comprising the unique payment device token to the application provider system through the first communication channel;
store the payment device data;
generate a unique uniform resource locator (URL) associated with the payment device, the unique URL comprising a deep link accessible by the client device of the user;
encrypt the unique URL based on the unique payment device token stored on the client device to produce an encrypted unique URL, such that the encrypted unique URL is decryptable by the client device based on the unique payment device token;
transmit the encrypted unique URL to the client device of the user via the application provider system through the first communication channel;
receive a data access request from the client device via the unique URL through a second communication channel separate from the first communication channel, wherein the second communication channel comprises a second data transmission path different from the first data transmission path and is exclusive of the application provider system;
in response to receiving the data access request, verify an identity of the user by executing a step-up authentication protocol; and
in response to verifying the identity of the user, transmit a data access response comprising the payment device data to the client device through the second communication channel.