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MINI-VAULTS FOR SECURING ACCOUNT INFORMATION

Abstract:

Systems and methods disclosed herein describe techniques for securing a user's primary account information by providing a mini-vault for transactions. A mini-vault may be generated and associated with specific transactions. For instance, the mini-vault may be affiliated with a payee such that the payee may obtain funds from the mini-vault. Alternatively, the mini-vault may be associated with geographic and/or time-based restrictions. These may limit where and when the user may obtain the funds maintained in the mini-vault. Accordingly, the mini-vault may limit the exposure of primary account information to prevent a bad actor from accessing the funds maintained in a user's primary account.