Patents by Inventor Phillip H. Griffin

Phillip H. Griffin 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).

  • Patent number: 11153097
    Abstract: A system, method, and apparatus for distributed extensible blockchain structures is provided. A system includes a parent blockchain. The parent blockchain includes a first block including first content, the first block stored at a first location, and a second block stored at a second location different than the first location. The second block includes second content and a first SignerInfo element. The first SignerInfo element includes a hash on the second content, a hash on the first content of the first block, a pointer to the first location of the first block, and a first SignatureValue element generated by digitally signing at least the hash on the second content, the hash on the first content, and the pointer to the first location.
    Type: Grant
    Filed: January 14, 2019
    Date of Patent: October 19, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Phillip H. Griffin
  • Patent number: 11139964
    Abstract: An example method includes receiving an encrypted biometric enrollment data and user identifier data. The encrypted biometric enrollment data includes at least one biometric enrollment sample from a user encrypted using an encryption key. The encryption key is generated based on a user secret and the user identifier is associated with the user. The user identifier is matched with a stored user secret. A decryption key is generated based on the stored user secret. The encrypted biometric enrollment data is decrypted using the decryption key. The at least one biometric enrollment sample is retrieved from the decrypted biometric enrollment data. The at least one biometric enrollment sample is processed using a biometric processing algorithm to generate a biometric reference template. A biometric reference template identifier uniquely identifying the biometric reference template is generated. An encryption key is generated based on the stored user secret and encrypts an enrollment confirmation message.
    Type: Grant
    Filed: September 7, 2018
    Date of Patent: October 5, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Phillip H. Griffin
  • Patent number: 11133942
    Abstract: Systems and methods for using ring usage certificate extensions are described. Some implementations described limit the ability of signers using a ‘ring signature’ from using public key certificates to create the ring signatures without the permission of the creators of those respective public key certificates. An implementation may describe receiving a request to validate, receiving a plurality of digital certificates associated with the request to validate, determining the request to validate requires validation of a ring signature using the plurality of digital certificates, determining one or more of the plurality of digital certificates comprises a ring usage certificate extension, analyzing the ring usage certificate extension to retrieve a value associated with the ring usage certificate extension, and failing validation of the request based on determining the request to validate requires validation of the ring signature and based on the value associated with the ring usage certificate extension.
    Type: Grant
    Filed: May 15, 2019
    Date of Patent: September 28, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Phillip H. Griffin
  • Patent number: 11115197
    Abstract: Various embodiments relate to a method of receiving an original message, share-holder list, and threshold amount. The original message is tokenized resulting in a tokenized message. A plurality of shares are generated from the tokenized message using a message sharing algorithm of a secret sharing scheme. Each of the plurality of shares is signcrypted using a public key and a private key associated with the shared secret provider computing system and a public key of a respective one of the share-holders included in the share-holders list, resulting in a plurality of signcrypted shares. The plurality of signcrypted shares is distributed to the respective ones of the share-holders according to the public key used to signcrypt the respective signcrypted share. The authenticity and data integrity of each of the plurality of signcrypted shares can be determined by using the public key associated and a public/private key pair associated with the share-holder.
    Type: Grant
    Filed: December 9, 2019
    Date of Patent: September 7, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Phillip H. Griffin, Jeffrey J. Stapleton
  • Patent number: 11095438
    Abstract: Methods and systems are described for enhanced-security database encryption via cryptographic software, where key management is carried out, without exporting or exposing cleartext keys, using an independent key manager coupled to a cryptographic hardware security module (HSM).
    Type: Grant
    Filed: April 6, 2020
    Date of Patent: August 17, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Phillip H. Griffin, Jeffrey J. Stapleton
  • Patent number: 11080699
    Abstract: Examples described herein relate to systems, apparatuses, and methods for using tokens between two entities comprising a client device and a server, including receiving, by the server, a token from the client device, wherein the token is unique to a transaction, deriving, by the server, a server-derived token from the original data based on a transaction count, wherein the transaction count corresponds to a number of times that the original data is involved in transactions, comparing, by the server, the received token with the server-derived token, and responsive to determining that the received token and the server-derived token are same, sending, by the server, a verification message.
    Type: Grant
    Filed: June 12, 2019
    Date of Patent: August 3, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Phillip H. Griffin, Jeffrey J. Stapleton
  • Patent number: 11074648
    Abstract: Examples described herein relate to systems, apparatuses, and methods for automating loan securitization by a loan marketplace server, including defining a security blockchain supporting a financial security smart contract and posting, on the security blockchain, loan links. Each of the loan links identifies a loan structured as a loan smart contract supported by a loan blockchain. The loan blockchain stores a financial profile link that identifies a dynamic financial profile for a borrower of the loan.
    Type: Grant
    Filed: April 9, 2018
    Date of Patent: July 27, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: David Duccini, Phillip H. Griffin, David Newman, Nishant Usapkar
  • Patent number: 11070378
    Abstract: The methods and system allow for the generation of a signcrypted biometric electronic signature token using a subsequent biometric sample after an enrollment of a biometric reference value in a biometric system. The signcrypted biometric electronic signature token involves simultaneous encryption and digital signature to protect the confidentiality. The system as described herein provides data integrity, origin authentication, and efficiency by performing encryption and digital signature simultaneously. The process allows a signcrypting party to enroll in a biometric service, sign a piece of data or content using a public key, that may be tied to a trusted anchor certificate authority, and submit a biometric sample. Subsequently, the relying party may validate the information on that piece of data or content to confirm the identity of the signcrypting party.
    Type: Grant
    Filed: November 7, 2016
    Date of Patent: July 20, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Phillip H. Griffin, Jeffrey J. Stapleton
  • Publication number: 20210211468
    Abstract: A method includes defining a service policy. The service policy is stored in a policy blockchain, which includes a plurality of blocks. A first of the blocks includes a first version of the service policy and a second of the blocks includes an update to the first version. A plurality of compliance event logs are captured over a first time period for a plurality of subscribers of the blockchain facilitator. Each of the logs includes a plurality of field-level components. Each of the components are time stamped via a trusted time stamp token. The components are selectively encrypted based on permissions associated with each of the subscribers, and are stored in an event blockchain. The policy blockchain and the components related to a first of the subscribers are accessible by the first subscriber to evaluate compliance of the blockchain facilitator to the service policy regarding the first subscriber.
    Type: Application
    Filed: May 27, 2016
    Publication date: July 8, 2021
    Inventors: Phillip H. Griffin, Jeffrey J. Stapleton
  • Patent number: 11025433
    Abstract: In a system and methods for secure ledger assurance tokenization, a request circuit is structured to access a first block of a first blockchain. The first block includes a first block identifier of the first blockchain and first block content. The request circuit is structured to audit the first block content so as to generate a first audit result. A secure ledger assurance token (SLAT) generation circuit is structured to generate a first SLAT, the first SLAT comprising the first block identifier of the first blockchain and the first audit result. The cryptographic circuit is structured to cryptographically protect the first SLAT. The SLAT generation circuit stores the cryptographically protected first SLAT in a journal, where the cryptographically protected first SLAT is accessible by an authorized stakeholder to provide integrity and origin authenticity of the first audit result.
    Type: Grant
    Filed: August 26, 2019
    Date of Patent: June 1, 2021
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Phillip H. Griffin, Jeffrey J. Stapleton
  • Patent number: 11012242
    Abstract: Systems, methods, and apparatuses for generating a trusted chain code (“TCC”) message. The method includes receiving, by a computing system, an agreement message between a first entity and a second entity. The agreement message may be formatted as a smart contract whose execution causes a transfer of value in response to at least one of an occurrence of an event or a fulfillment of a condition. The smart contract includes chain code that corresponds to computer language to execute and corresponds to at least one of the occurrence of the event or the fulfillment of the condition. A chain code manifest is generated. The chain code manifest includes a hash of the chain code of the smart contract. A TCC message is generated including at least the smart contract and a digital signature on at least the chain code manifest. The TCC message is posted to a distributed ledger.
    Type: Grant
    Filed: September 28, 2018
    Date of Patent: May 18, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Phillip H. Griffin, Jeffrey J. Stapleton
  • Patent number: 10999066
    Abstract: A brain-actuated authentication key exchange (“BACAKE”) system facilitates multi-factor and mutual authentication of an individual to a provider computing system via a brain-computer interface. Neural signals are received from a brain-computer interface coupled to an individual. Physical movement intentions of the individual are extracted from the neural signals. The physical movement intentions are mapped to a character string representing a knowledge factor. A secure, mutually authenticated communication channel is established between the BACAKE computing system and a provider computing system by using the knowledge factor as an input to a password authenticated key exchange protocol.
    Type: Grant
    Filed: September 4, 2018
    Date of Patent: May 4, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Phillip H. Griffin
  • Patent number: 10911243
    Abstract: Various embodiments relate to a method performed by a processor of a computing system. An example method includes receiving, by a computing system, an event. The event is associated with a digital signature in a first time-based message. The event signals a change to a property of the digital signature. The first time-based message includes a first trusted time stamp token from a timing authority. The first trusted time stamp token is generated using a first hash of digitally signed content, the digitally signed content generated by digitally signing content. The first time-based message is retrieved. A second hash of the first trusted time stamp token is generated. The second hash is transmitted to a timing authority. A second trusted time stamp token is received from the trusted timing authority in response to transmitting the second hash. A second time-based message is generated including the second trusted time stamp token.
    Type: Grant
    Filed: December 14, 2018
    Date of Patent: February 2, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Phillip H. Griffin, Jeffrey J. Stapleton
  • Patent number: 10868668
    Abstract: In a system and methods to verify data integrity and origin authenticity of signed elements in an arbitrary blockchain, a block is signed using a first digital signature algorithm. A hash on the signed first block content is computed. A parallel assurance of blockchain signatures (“PABS”) record includes a cryptographic message, comprising the block identifier and the hash, and is signed using a second digital signature algorithm, which, in some embodiments, is different from the first digital signature algorithm. Integrity and origin authenticity of the signed block content are verified by verifying the digital signature of the first cryptographic message. Additionally, to verify the block content, a verification hash is computed on the signed block content of the block of the blockchain, and the verification circuit verifies that the hash from the cryptographic message matches the verification hash.
    Type: Grant
    Filed: September 11, 2019
    Date of Patent: December 15, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Phillip H. Griffin, Jeffrey J. Stapleton
  • Patent number: 10855473
    Abstract: A method comprises receiving, by a computing system, a secret knowledge factor, and a biometric sample from a signing party. The biometric sample comprises at least one of an approval sample and an intent sample. The computing system generates an encryption key using the secret knowledge factor as an input to a password authenticated key exchange protocol, and encrypts the biometric sample with the encryption key. The computing system generates a biometric electronic signature agreement and intent (“BESAI”) token including the encrypted biometric sample, and a signing party identifier in clear text associated therewith. The BESAI token can be verified using a decryption key generated using a stored knowledge factor as an input to the password authenticated key exchange protocol, and the approval of terms of and confirmation of intent to sign the electronic agreement by the signing party can be verified after decrypting the biometric sample.
    Type: Grant
    Filed: January 12, 2018
    Date of Patent: December 1, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Phillip H. Griffin
  • Patent number: 10848325
    Abstract: A method, system, and apparatus for managing digital certificates, managing a certificate authority (CA), and cross-referencing CA heirarchies. The method includes receiving, by a processor of a CA computing system, at least one of a digital certificate generation request and a digital certificate revocation from a user via a user computing device, the digital certificate generation request including a user public key and a user identity. The method further includes generating a digital certificate for the user and signing the digital certificate with a CA private key, wherein the CA private key is associated with a known CA public key. The method further includes publishing the digital certificate signed with the CA private key to a digital certificate blockchain, determining a certificate status of the digital certificate, and publishing an update to the digital certificate blockchain to reflect the certificate status of the digital certificate.
    Type: Grant
    Filed: October 30, 2019
    Date of Patent: November 24, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventors: David V. Duccini, Phillip H. Griffin, Jeffrey J. Stapleton
  • Patent number: 10819515
    Abstract: Examples described herein relate to systems, apparatuses, methods, and non-transitory computer-readable medium for recovering a session object associated with a secure session established by a security protocol server, including receiving, by a recovery server, an encrypted session object from the security protocol server, wherein the encrypted session object is unique to the secure session, generating, by the recovery server, a recovery key based on a first initial key and a recovery key sequence number, wherein the recovery key sequence number corresponds to a number of times that secure sessions have been established since the first initial key is received by the security protocol server, and decrypting, by the recovery server, the encrypted session object using the recovery key to generate the session object associated with the secure session.
    Type: Grant
    Filed: March 9, 2018
    Date of Patent: October 27, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Phillip H. Griffin, Jeffrey J. Stapleton
  • Patent number: 10805290
    Abstract: Various embodiments relate to a method of auditing a biometric enrollment event journal entry, performed by a processor of an authentication computing system. An example method includes receiving a biometric enrollment event journal entry. The entry includes a tokenized biometric reference sample and a biometric reference template identifier. The tokenized biometric reference sample is generated by tokenizing at least one biometric reference sample captured from a user having a unique user identifier. The biometric reference template identifier uniquely identifies a biometric reference template generated using the at least one biometric reference sample. The tokenized biometric reference sample and biometric reference template associated with the biometric reference template identifier in the biometric enrollment event journal entry is retrieved. It is determined whether the detokenized biometric reference sample matches the biometric reference template.
    Type: Grant
    Filed: October 9, 2018
    Date of Patent: October 13, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Phillip H. Griffin, Jeffrey J. Stapleton
  • Patent number: 10805067
    Abstract: An example method includes accessing first and second blocks of a first blockchain. The second block includes a first backward link including a hash of the first block and second block content. A first prime block is generated that includes the first block and a first forward link. The first forward link includes a hash of the second block of the first blockchain. The first prime block is published on a doubly linked blockchain. A third block of the first blockchain is accessed. The third block includes a second backward link including a hash of the second block and a third block content. A second prime block is generated that includes the second block, a first prime backward comprising a hash of the first prime block, and a second forward link comprising a hash of the third block of the first blockchain.
    Type: Grant
    Filed: April 26, 2017
    Date of Patent: October 13, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Phillip H. Griffin, Jeffrey J. Stapleton
  • Patent number: 10796011
    Abstract: Systems and methods to manage a tokenization manifest that can be used for managing a redaction through tokenization of a set of field level tokenization values applied to an arbitrary information object of an arbitrary file (e.g., database cells, XML and other document elements, areas of graphics images, etc.). The methods and system extend the use of tokenization to the protection of arbitrary fields or information objects of any type or format. This allows the tokenized components of the information object to be located and provided to a Tokenization Service Provider that can recover, for an authorized requestor, the original content protected by the token. The tokenization schema processes the unrestricted content into a corresponding restricted token. The token can include an embedded URL, where the URL is a link to submit a request to the Tokenization Service Provider to view the token as the unrestricted content.
    Type: Grant
    Filed: September 25, 2018
    Date of Patent: October 6, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Phillip H. Griffin, Jeffrey J. Stapleton