US 12,143,472 B2
Systems and methods for securing communication channels for new user onboarding
Scott Alexander, Motherwell (GB)
Assigned to JPMORGAN CHASE BANK, N.A., New York, NY (US)
Filed by JPMORGAN CHASE BANK, N.A., New York, NY (US)
Filed on Jul. 21, 2022, as Appl. No. 17/814,111.
Prior Publication US 2024/0031134 A1, Jan. 25, 2024
Int. Cl. H04L 9/08 (2006.01)
CPC H04L 9/0825 (2013.01) [H04L 9/0866 (2013.01); H04L 9/0869 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method for securing communication channels for onboarding a new user, comprising:
generating, by an onboarding application executed on a new user mobile electronic device, a new user cryptographic key pair using secure hardware on the new user mobile electronic device;
protecting, by the onboarding application, a new user private key of the new user cryptographic key pair with a new user biometric or passcode and storing the protected new user private key on the new user mobile electronic device;
communicating, by the onboarding application, new user information and a new user public key of the new user cryptographic key pair to a backend computer program for an organization;
receiving, by the onboarding application, encrypted new user credentials from the backend computer program;
retrieving, by the onboarding application, the protected new user private key and unlocking the new user protected private key using the new user biometric or passcode; and
decrypting, by the onboarding application, the encrypted new user credentials.