Multi-layer Token System for Secure Escrow Data Excision
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Solution Overview
Problem
Current methods for ensuring payment guarantees in business transactions, such as Letters of Guarantee or Credit, are inefficient and lack secure mechanisms for confidentially releasing and controlling sensitive information related to escrow funds.
Innovation Solution
A message processing server utilizing multi-layer tokens with encrypted data layers, allowing for secure extraction of data from databases to confirm escrow fund sufficiency and facilitate the release of funds upon transaction completion, while ensuring confidentiality and control over the information.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If traditional Letters of Guarantee or Credit are used for payment guarantees, then payment security is provided, but the process is inefficient and lacks secure mechanisms for confidential information release
Solution Approach 1:
The patent segments the escrow data into multiple encrypted layers within a multi-layer token structure. Each layer contains different types of information (e.g., escrow amount, release conditions, beneficiary details) that can be independently accessed and excised based on specific transaction requirements, enabling efficient information release while maintaining security.
Solution Approach 2:
The message processing server acts as an intermediary between the escrow holder and the beneficiary. It receives excision commands, decrypts the appropriate data layers using stored cryptographic keys, and releases only the necessary information without exposing the entire escrow structure, thus improving efficiency while maintaining security.
2Loss of information
If escrow data is released confidentially to a beneficiary, then transaction information security is improved, but control over the destruction of that information is lost
Solution Approach 1:
The patent implements preliminary action by embedding self-destruct mechanisms within the multi-layer token structure. Excision commands include instructions that automatically trigger the destruction of specific data layers after they have been successfully released to the authorized beneficiary, ensuring both confidentiality and controlled destruction.
Solution Approach 2:
The system automatically discards (destroys) the excised data layers from the token database after successful release to the beneficiary. This ensures that sensitive escrow information is not permanently stored in an accessible format, maintaining confidentiality while providing controlled destruction through automated processes.
3Reliability
If multi-layer tokens with encrypted data layers are used, then secure extraction and release of escrow data is achieved, but the system complexity increases
Solution Approach 1:
The message processing server is designed with multi-functionality to handle various excision commands, validate different types of tokens, and manage multiple cryptographic keys. This universal design consolidates complex security functions into a single system that can handle diverse escrow release scenarios, making the complexity manageable rather than prohibitive.
Solution Approach 2:
The multi-layer token structure uses nesting where each encrypted data layer is contained within the previous layer. This hierarchical organization allows the system to manage complexity by processing layers sequentially from outer to inner, with each layer containing only the specific information needed for its purpose, rather than managing all information simultaneously.
4Productivity
If the message processor decrypts and excises specific data layers from the token database, then efficient release of escrow funds is enabled, but the risk of unauthorized access increases
Solution Approach 1:
The patent applies local quality by implementing role-based access control where different cryptographic keys are stored and used for specific purposes. The message processor decrypts only the specific data layer required for the current transaction using the appropriate key, rather than having universal access to all layers, thus enabling efficient release while minimizing unauthorized access risk.
Solution Approach 2:
The system implements feedback mechanisms where excision commands are validated against the token's metadata and release conditions before decryption occurs. The message processor verifies authorization, checks release criteria, and only then proceeds to decrypt and excise the appropriate data layer, providing continuous feedback control to prevent unauthorized access while maintaining release speed.
Data Source
AI summary
A message processing server includes a message processor, a network interface, and a memory storing a token database of multi-layer tokens. Each token in the database includes a plurality of encrypted data layers. The message processor receives, via the network interface, at least one authorization message that identifies one of the tokens, derives a first decrypted data layer from the first encrypted data layer of the token, and extracts from the first decrypted data layer a second pointer to a secondary database that stores a predetermined data value. The message processor excises the predetermined data value from the secondary database.