Payload-Level Encryption for Whole-Message Data Protection

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Solution Overview

Problem

Existing field-level encryption methods are complex, increase processing time, and fail to protect sensitive data outside pre-identified fields, leading to potential compliance violations during data sharing with third parties.

Innovation Solution

Implementing message-level or payload-level encryption using a secure communication service that generates and manages public-private key pairs, rotates keys based on compliance requirements, and maintains fallback keys to ensure secure and efficient data transmission.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If field-level encryption is implemented, then data protection is improved, but encryption complexity and processing time increase

Engineering Contradiction:
Improvedata protectionVSAvoidencryption complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The patent merges multiple field-level encryption operations into a single payload-level encryption operation. Instead of encrypting individual fields separately (which increases complexity), the system encrypts the entire payload as a unit, reducing the number of encryption operations while maintaining comprehensive data protection.

Inventive Principle:
Principle #5Merging (Combining)

Solution Approach 2:

The payload-level encryption mechanism serves multiple functions simultaneously: it protects all fields within the payload, ensures compliance with regulatory requirements, and maintains security during key rotation. This universal approach eliminates the need for separate encryption mechanisms for each field.

Inventive Principle:
Principle #6Universality (Multi-functionality)

2Reliability

If field-level encryption is implemented, then data protection is improved, but processing time increases

Engineering Contradiction:
Improvedata protectionVSAvoidprocessing time
Core Design Contradiction:
ReliabilityVSLoss of time

Solution Approach 1:

The patent combines multiple encryption operations into a single payload-level encryption process. By encrypting the entire payload at once rather than processing each field sequentially, the system reduces total processing time while maintaining equivalent data protection.

Inventive Principle:
Principle #5Merging (Combining)

Solution Approach 2:

The system performs payload-level encryption as a preliminary action before data transmission. This single encryption operation prepares the entire payload for secure transmission, eliminating the need for subsequent field-level encryption operations and reducing overall processing time.

Inventive Principle:
Principle #10Preliminary action

3Reliability

If field-level encryption is implemented, then data protection is improved, but compliance coverage is insufficient

Engineering Contradiction:
Improvedata protectionVSAvoidcompliance coverage
Core Design Contradiction:
ReliabilityVSAdaptability or versatility

Solution Approach 1:

The payload-level encryption mechanism provides universal compliance coverage by encrypting the entire payload structure. This approach ensures that all data within the payload, including fields not explicitly identified, is protected, thereby meeting comprehensive compliance requirements across different regulations.

Inventive Principle:
Principle #6Universality (Multi-functionality)

Solution Approach 2:

The system performs payload-level encryption as a preliminary action that encompasses all data fields. This preliminary encryption ensures that compliance requirements are met before data is transmitted or processed, providing comprehensive protection without requiring subsequent field-specific compliance checks.

Inventive Principle:
Principle #10Preliminary action

4Reliability

If key rotation is implemented according to compliance requirements, then security is improved, but system complexity increases

Engineering Contradiction:
ImprovesecurityVSAvoidkey management complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The key rotation mechanism operates autonomously based on predefined compliance requirements. The system automatically rotates keys according to scheduled intervals or triggers without requiring manual intervention, reducing operational complexity while maintaining strong security through continuous key rotation.

Inventive Principle:
Principle #25Self-service

Solution Approach 2:

The system performs key rotation as a preliminary action before data transmission begins. By establishing the correct key pair in advance and validating it against compliance requirements, the system ensures security is prepared beforehand, reducing the complexity of runtime key management decisions.

Inventive Principle:
Principle #10Preliminary action

Data Source

PatentUS20250310086A1Payload level encryption
Publication Date: 2025.10.02 CAPITAL ONE SERVICES LLC
  • US20250310086A1 patent drawing
  • US20250310086A1 patent drawing
  • US20250310086A1 patent drawing

AI summary

In some implementations, a system may configure a set of compliance requirements for a secure communication service. The system may configure a key rotation component and a key fallback component. The system may store a key, generated by the key rotation component, using a key store. The system may periodically update, using the key rotation component, the key in the key store in accordance with the set of compliance requirements. The system may maintain, in connection with periodically updating the key, at least one fallback key using the key fallback component. The system may receive a request for a communication using the key. The system may determine whether the key is a valid current key or a valid fallback key. The system may communicate using the key based on determining whether the key is the valid current key or the valid fallback key.