Patent ID: 9672519
Date: 2017-06-06
CPC Classifications: G06Q

Claim:
1. A computing system of a financial institution, comprising: a key gateway in communication with a user computing device over a first radio network, wherein the user computing device comprises a software radio and a transceiver, and wherein the user computing device communicates with the key gateway over the first radio network via the transceiver using a first waveform based on operation of the software radio with first software radio parameters; a data gateway in communication with the user computing device over a second radio network independent from the first radio network, wherein the user computing device communicates with the data gateway over the second radio network via the transceiver using a second waveform based on operation of the software radio with second software radio parameters; and a key storage facility in communication with the key gateway and the data gateway; wherein the key gateway (A) receives an application level encryption key from the user computing device, wherein the application level encryption key is created by the user computing device, (B) stores the application level encryption key in the key storage facility, and (C) transmits, to the user computing device, a key index indicating a location of the application level encryption key on the key storage facility; wherein the user computing device dynamically tunes from the first radio network to the second radio network upon receipt of the key index; wherein the data gateway (A) receives over the second radio network (i) data encrypted, by the user computing device, using the application level encryption key and (ii) the key index, (B) retrieves the application level encryption key from the key storage facility, and (C) decrypts the data using the application level encryption key; and wherein the decrypted data is transmitted to a server of the financial institution to carry out a financial transaction.