The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Mar. 31, 2026
Filed:
Nov. 17, 2023
American Express Travel Related Services Company, Inc., New York, NY (US);
Manish K. Deliwala, Chandler, AZ (US);
Varaprasad Kotha, Phoenix, AZ (US);
Ajay Babu Maddukuri, Phoenix, AZ (US);
American Express Travel Related Services Company, Inc., New York, NY (US);
Abstract
Systems, methods, and articles of manufacture for secured account provisioning and payments using user computing devices are provided. One such method comprises receiving, by a user computing device, a payment request from a point of sale terminal; obtaining, by the user computing device, a storage encryption (ENC) key based on at least a device fingerprint of the user computing device and a storage root key; obtaining, by the user computing device, an encrypted account payload from a secure database of the user computing device; decrypting, by the user computing device, the encrypted account payload using the storage ENC key, wherein the decrypted account payload includes a payment credential; and transmitting, by the user computing device, the payment credential to the point-of-sale terminal.
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