Patents by Inventor Matthew Randolph Molnar

Matthew Randolph Molnar has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Validating encrypted data from a multi-layer token
    Patent number: 11481778
    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.
    Type: Grant
    Filed: October 6, 2016
    Date of Patent: October 25, 2022
    Assignee: The Toronto-Dominion Bank
    Inventors: Matthew Randolph Molnar, Jonathan K. Barnett, John Jong Suk Lee, Paul Mon-Wah Chan, Orin Del Vecchio
  • VALIDATING ENCRYPTED DATA FROM A MULTI-LAYER TOKEN
    Publication number: 20170124558
    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.
    Type: Application
    Filed: October 6, 2016
    Publication date: May 4, 2017
    Inventors: Matthew Randolph Molnar, Jonathan K. BARNETT, John Jong Suk LEE, Paul Mon-Wah CHAN, Orin DEL VECCHIO