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Secure storage of payment information on client devices

  • US 8,606,720 B1
  • Filed: 07/03/2012
  • Issued: 12/10/2013
  • Est. Priority Date: 11/13/2011
  • Status: Active Grant
First Claim
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1. A computer-implemented method for secure storage of payment instrument verification information on a client device, comprising:

  • receiving, by a computer from a client device, a first request to register a payment instrument, the first request comprising at least a payment instrument account number and a verification code corresponding to the payment instrument account number and a user identifier associated with an electronic account record stored on a payment instrument server;

    storing, by the computer, the payment instrument account number with the electronic account record associated with the user identifier received in the first request;

    encrypting, by the computer, the verification code to generate an encrypted verification code using one or more encryption keys;

    communicating, by the computer to the client device, the encrypted verification code and executable instructions, the executable instructions when executed by a processor on the client device directing storage of the encrypted verification code in a local storage data structure on the client device;

    deleting, by the computer, the verification code and the encrypted verification code from the computer after communication of the encrypted verification code to the client device;

    receiving, by the computer, a second request for payment information from a merchant server, the second request comprising at least the user identifier; and

    retrieving, by the computer, the encrypted verification code from storage in the local data structure on the client device associated with the user identifier in response to receiving the second request from the merchant server.

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