公开(公告)号：US20170124558A1

公开(公告)日：2017-05-04

申请号：US15286734

申请日：2016-10-06

Applicant: The Toronto-Dominion Bank

Inventor： Matthew Randolph Molnar ,  Jonathan K. BARNETT ,  John Jong Suk LEE ,  Paul Mon-Wah CHAN ,  Orin DEL VECCHIO

IPC: G06Q20/38 ,  G06Q20/40 ,  H04L9/32 ,  G06Q20/10 ,  H04W12/06 ,  H04L29/06

CPC classification number: G06Q20/3829 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q40/025 ,  H04L9/0891 ,  H04L9/3213 ,  H04L9/3226 ,  H04L63/08 ,  H04L63/0807 ,  H04L2209/56 ,  H04L2463/102 ,  H04W12/06

Abstract: A message processing server includes a message processor and a database of multi-layer tokens. Each token in the database includes a plurality of encrypted data layers. The first layer includes a first data pointer. A primary layer includes the first layer and identifies a reference data value. The message processor receives from a communications device an authentication request identifying a first data value, validates the authentication request from the first data value and the reference data value configured in one of the multi-layer tokens, receives a first authorization message including a first cryptographic key, derives a first decrypted data layer from the first cryptographic key and the first encrypted data layer of the one multi-layer token, and validates the first data pointer by receiving confirmation of the first data pointer pointing to a database entry comprising a second data value less than the reference data value.

公开(公告)号：US11481778B2

公开(公告)日：2022-10-25

申请号：US15286734

申请日：2016-10-06

Applicant: The Toronto-Dominion Bank

Inventor： Matthew Randolph Molnar ,  Jonathan K. Barnett ,  John Jong Suk Lee ,  Paul Mon-Wah Chan ,  Orin Del Vecchio

IPC: G06Q20/40 ,  G06Q20/38 ,  H04L9/40 ,  H04L9/32 ,  G06Q20/10 ,  H04W12/069

Abstract: A message processing server includes a message processor and a database of multi-layer tokens. Each token in the database includes a plurality of encrypted data layers. The first layer includes a first data pointer. A primary layer includes the first layer and identifies a reference data value. The message processor receives from a communications device an authentication request identifying a first data value, validates the authentication request from the first data value and the reference data value configured in one of the multi-layer tokens, receives a first authorization message including a first cryptographic key, derives a first decrypted data layer from the first cryptographic key and the first encrypted data layer of the one multi-layer token, and validates the first data pointer by receiving confirmation of the first data pointer pointing to a database entry comprising a second data value less than the reference data value.