System, method, and computer program product for secure payment device data storage and access
US11922407B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Sep 16, 2021 |
| Grant date | Mar 5, 2024 |
| Priority date | — |
| Expiry date | Sep 16, 2041 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/425
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Provided are a system, method, and computer program product for secure payment device data storage and access. The method includes storing payment device data associated with a payment device of a user and generating a unique uniform resource locator (URL) associated with the payment device. The method also includes transmitting the unique URL to an application provider system through a first communication channel and receiving a data access request from the client device via the unique URL through a second communication channel separate from the first communication channel. The method further includes, in response to receiving the data access request, verifying an identity of the user by executing a step-up authentication protocol. The method further includes, in response to verifying the identity of the user, transmitting a data access response including the payment device data to the client device through the second communication channel.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.