Secured account provisioning and payments for NFC-enabled devices

ChangeBridge: Patent Grants - Business Methods (G06Q)

Published March 31st, 2026

Detected March 31st, 2026

Summary

USPTO granted American Express patent US12591884B2 covering systems and methods for secured account provisioning and payment credential transmission using NFC-enabled devices. The patent describes a method involving device fingerprinting, storage encryption keys, and secure decryption of payment credentials for point-of-sale transactions. Assignee is American Express Travel Related Services Company, Inc.

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What changed

USPTO issued patent US12591884B2 to American Express Travel Related Services Company, Inc. on March 31, 2026. The patent covers a method for secure NFC payments involving receiving a payment request from a POS terminal, obtaining a storage encryption key based on device fingerprint and storage root key, decrypting an encrypted account payload containing payment credentials, and transmitting those credentials to the point-of-sale terminal.

This patent grant does not impose compliance obligations on third parties. Financial institutions, payment processors, and technology companies developing NFC payment solutions may wish to review this intellectual property for freedom-to-operate considerations or competitive landscape analysis. The patent has 20 claims covering the encrypted storage and transmission methodology.

Source document (simplified)

← USPTO Patent Grants

Secured account provisioning and payments for NFC-enabled devices

Grant US12591884B2 Kind: B2 Mar 31, 2026

Assignee

American Express Travel Related Services Company, Inc.

Inventors

Manish K. Deliwala, Varaprasad Kotha, Ajay Babu Maddukuri

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.