IP Library › Granted Patent US 12,192,334
Granted Patent B2
US 12,192,334 · App. 18/244,650 · Granted Jan 7, 2025

Database exclusion (DBX) for multi-party access (MPA) to sensitive personal information (SPI)

Inventor: Jeff J. Stapleton (Arlington, TX)
Assignee: Wells Fargo Bank, N.A.
H04L9/0825G06F21/6218H04L9/0822H04L9/0869H04L9/14
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Quick Facts
Patent No.
US 12,192,334
App. No.
18/244,650
Granted
Jan 7, 2025
Kind
B2
Abstract

A system and method for protecting Sensitive Personal Information (SPI) from Multi-Party Access (MPA), including receiving a request for access to a data record, the request comprising an encrypted device identifier identifying the client device, encrypting the data record using a random symmetric key to generate an encrypted data record, encrypting the data record using a second symmetric key to generate a second encrypted data record, the second symmetric key being different from the random symmetric key, encrypting the random symmetric key to generate an encrypted symmetric key by using a public key associated with the client device or a key encryption key associated with the one or more processors, and transmitting a message comprising the encrypted symmetric key and the encrypted device identifier. The message causing the client device to access the data record using a database, the encrypted device identifier, and the encrypted symmetric key.

Claims (43)

1. A method, comprising:

transmitting, by a client device and to a system, a request for access to a data record, the request comprising an encrypted device identifier identifying the client device;

receiving, by the client device from the system, a message comprising an encrypted symmetric key and the encrypted device identifier; and

in response to receiving the message, accessing, by the client device, the data record using a database, the encrypted device identifier, and the encrypted symmetric key.

2. The method of claim 1 , further comprising in response to receiving the message, retrieving, by the client device, the data record from the database.

3. The method of claim 1 , wherein

the data record is encrypted; and

the method further comprising in response to receiving the message, decrypting, by the client device, the encrypted data record using a random symmetric key determined from the encrypted symmetric key.

4. The method of claim 3 , wherein the random symmetric key is generated using a pseudorandom number generator (PRNG).

5. The method of claim 1 , further comprising in response to receiving the message, discarding, by the client device, an encrypted symmetric key responsive to an elapse of a predetermined window of time.

6. The method of claim 1 , wherein the request comprises a public key of the client device.

7. The method of claim 1 , wherein

an encrypted data record is access by the client device in response to receiving the message;

the data record is stored in a second database prior to the system receiving the request;

the encrypted data record is stored in database in response to the system receiving the request.

8. A client device comprising:

one or more memory devices; and

one or more processors configured to:

transmit to a system, a request for access to a data record, the request comprising an encrypted device identifier identifying the client device;

receive a message comprising an encrypted symmetric key and the encrypted device identifier; and

in response to receiving the message, access the data record using a database, the encrypted device identifier, and the encrypted symmetric key.

9. The client device of claim 8 , the one or more processors further configured to in response to receiving the message, retrieve the data record from the database.

10. The client device of claim 8 , wherein

the data record is encrypted; and

the one or more processors further configured to in response to receiving the message, decrypting, by the client device, the encrypted data record using a random symmetric key determined from the encrypted symmetric key.

11. The client device of claim 10 , wherein the random symmetric key is generated using a pseudorandom number generator (PRNG).

12. The client device of claim 8 , the one or more processors further configured to in response to receiving the message, discard an encrypted symmetric key responsive to an elapse of a predetermined window of time.

13. The client device of claim 8 , wherein the request comprises a public key of the client device.

14. The client device of claim 8 , wherein

an encrypted data record is access by the client device in response to receiving the message;

the data record is stored in a second database prior to the system receiving the request;

the encrypted data record is stored in database in response to the system receiving the request.

15. At least one non-transitory computer-readable storage medium storing instructions which, when executed by one or more processors, cause the one or more processors to:

transmit to a system, a request for access to a data record, the request comprising an encrypted device identifier identifying the client device;

receive a message comprising an encrypted symmetric key and the encrypted device identifier; and

in response to receiving the message, access the data record using a database, the encrypted device identifier, and the encrypted symmetric key.

16. The non-transitory computer-readable storage medium of claim 15 , the one or more processors further configured to in response to receiving the message, retrieve the data record from the database.

17. The non-transitory computer-readable storage medium of claim 15 , wherein

the data record is encrypted; and

the one or more processors further caused to in response to receiving the message, decrypting, by the client device, the encrypted data record using a random symmetric key determined from the encrypted symmetric key.

18. The non-transitory computer-readable storage medium of claim 17 , wherein the random symmetric key is generated using a pseudorandom number generator (PRNG).

19. The non-transitory computer-readable storage medium of claim 15 , the one or more processors further caused to in response to receiving the message, discard an encrypted symmetric key responsive to an elapse of a predetermined window of time.

20. The non-transitory computer-readable storage medium of claim 15 , wherein the request comprises a public key of the client device.

Continuity (3)
Continuation 17827200 · May 27, 2022
Continuation 16862281 · Apr 29, 2020
Related Publication 20230421364A1 · Dec 28, 2023
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