Multi-Layer Token Validation for Secure Financial Transactions
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Solution Overview
Problem
Existing methods for high-value financial transactions lack secure and efficient mechanisms for validating encrypted data and ensuring confidentiality, particularly in pre-approved loan scenarios, where sensitive information needs to be protected and validated quickly.
Innovation Solution
A message processing server utilizing multi-layer tokens with encrypted data layers and cryptographic keys to validate authentication requests, derive decrypted data layers, and confirm data pointers, ensuring secure and efficient validation of encrypted data while maintaining confidentiality.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional authentication methods are used for high-value financial transactions, then the process is simple to implement, but the security and confidentiality of sensitive information is compromised
Solution Approach 1:
The patent segments authentication credentials into multi-layer tokens with hierarchical encryption. Each token contains multiple encrypted data layers (first encrypted data layer, second encrypted data layer) that can be independently validated. This segmentation allows the system to maintain high security through layered verification while managing complexity by processing only relevant layers for each authentication step.
Solution Approach 2:
The patent implements nested encryption structures where encrypted data layers are contained within tokens, which themselves are contained within authentication requests. The first encrypted data layer is nested within the token, and the second encrypted data layer is nested within the first layer. This nesting provides progressive security validation without requiring the entire system to be maximally complex at once.
2Reliability
If multi-layer tokens with multiple encrypted data layers are used, then security and confidentiality are improved, but the validation process becomes more complex
Solution Approach 1:
The patent performs preliminary validation by checking the data pointer against the reference data value stored in the token database before proceeding with full decryption and authentication. This preliminary check filters out invalid tokens early in the process, reducing the computational complexity of subsequent validation steps while maintaining the security benefits of multi-layer encryption.
Solution Approach 2:
The patent introduces a message processing server as an intermediary that manages the complex validation logic. The server coordinates between the authentication request, the token database, and the verification processes, handling the complexity of multi-layer validation centrally while allowing client systems to remain relatively simple. The server acts as a mediator that orchestrates the sequential validation of different encrypted layers.
3Reliability
If comprehensive validation of all encrypted data layers is performed, then security is maximized, but the validation time increases
Solution Approach 1:
The patent performs preliminary validation by checking the data pointer against the reference data value stored in the token database before proceeding with full decryption and authentication. This preliminary check filters out invalid tokens early in the process, reducing the computational complexity of subsequent validation steps while maintaining the security benefits of multi-layer encryption.
Solution Approach 2:
The patent implements partial validation by selectively decrypting and validating only the necessary encrypted data layers based on the authentication context. Rather than always decrypting all layers, the system validates the pointer and reference data first, then proceeds with full validation only when needed. This partial action approach maintains high validation accuracy for critical checks while reducing overall validation time through selective processing.
Data Source
AI summary
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.