US 11,936,776 B2
Secure key exchange electronic transactions
Phillip H. Griffin, Raleigh, NC (US); and Jeffrey J. Stapleton, O'Fallon, MO (US)
Assigned to Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed by Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed on Mar. 6, 2023, as Appl. No. 18/117,976.
Application 18/117,976 is a continuation of application No. 17/532,713, filed on Nov. 22, 2021, granted, now 11,601,261.
Application 17/532,713 is a continuation of application No. 16/840,826, filed on Apr. 6, 2020, granted, now 11,184,158.
Application 16/840,826 is a continuation of application No. 15/894,786, filed on Feb. 12, 2018, granted, now 10,615,970.
Application 15/894,786 is a continuation in part of application No. 15/811,789, filed on Nov. 14, 2017, granted, now 10,615,969.
Claims priority of provisional application 62/457,707, filed on Feb. 10, 2017.
Prior Publication US 2023/0208622 A1, Jun. 29, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. H04L 9/08 (2006.01); H04L 9/06 (2006.01); H04L 9/32 (2006.01)
CPC H04L 9/0825 (2013.01) [H04L 9/0643 (2013.01); H04L 9/0822 (2013.01); H04L 9/0869 (2013.01); H04L 9/0877 (2013.01); H04L 9/0894 (2013.01)] 25 Claims
OG exemplary drawing
 
1. A method for managing secure key exchange electronic transactions without transmitting cleartext keys, the method comprising:
transmitting, by a first entity computing system, a hash-based message authentication code (HMAC) key cryptogram and a transaction scheme to a database encryption key management system;
receiving, by the first entity computing system, a seed generated by the database encryption key management system based on the HMAC key cryptogram and the transaction scheme, wherein the seed is encrypted by the database encryption key management system via an entity public key associated with the first entity computing system;
decrypting, by the first entity computing system via an entity private key associated with the entity public key, the seed; and
based on the seed, deriving, by the first entity computing system, a transaction key (Tk).