Royal Bank of Canada

Sarah Rachel Waigh Yean Wilkinson

Iustina-Miruna Vintila

Edison U Ortiz

Arya Pourtabatabaie

Margaret Inez Salter

Ambica Pawan Khandavilli

Jordan Alexander Richards

Steven Fernandes

Sumit Kumar Jha

Mohammad Abuzar Shaikh

Systems, devices, methods, and computer readable media are provided in various embodiments having regard to authentication using secure tokens, in accordance with various embodiments. An individual's personal information is encapsulated into transformed digitally signed tokens, which can then be stored in a secure data storage (e.g., a 'personal information bank'). The digitally signed tokens can include blended characteristics of the individual (e.g., 2D/3D facial representation, speech patterns) that are combined with digital signatures obtained from cryptographic keys (e.g., private keys) associated with corroborating trusted entities (e.g., a government, a bank) or organizations of which the individual purports to be a member of (e.g., a dog-walking service).

Systems and methods for secure tokenized credentials

Systems, devices, methods, and computer readable media are provided in various embodiments relating to generating a dynamic challenge passphrase data object. The method includes establishing, a plurality of data record clusters, representing a mutually exclusive set of structured data records of an individual, ranking the plurality of feature data fields based on a determined contribution value of each feature data field relative to the establishing of the data record cluster, and identifying, using the ranked plurality of feature data fields, a first and a second feature data field of the plurality of feature data fields. The method includes generating the dynamic challenge passphrase data object, wherein the first or the second feature data field is used to establish a statement string portion, and a remaining one of the first or the second feature data field is used to establish a question string portion and a correct response string.

Systems and methods for dynamic passphrases

A computer implemented system for controlling access to data associated with an entity includes a data storage device having a computer memory, and one or more processors. The one or more processors are configured for: storing a secret key associated with the entity in a computer memory associated with the entity; upon receiving entity data, storing the entity data in the computer memory; and upon receiving an access grant signal, enabling communication of information relating to the entity data.

System and method for storing and distributing consumer information

A technical validation mechanism is described that includes the use of facial feature recognition and tokenization technology operating in combination with machine learning models can be used such that specific facial or auditory characteristics of how an originating script is effectuated can be used to train the machine learning models, which can then be used to validate a video or a particular dynamically generated passphrase by comparing overlapping phonemes or phoneme transitions between the originating script and the dynamically generated passphrase.

A computer implemented system for controlling access to data associated with an entity includes a data storage device having a protected memory region, and one or more processors, at least one of which is operable in the protected memory region. The one or more processors are configured for: storing a secret key associated with the entity in a portion of the protected memory region associated with the entity; upon receiving entity data, storing the entity data in the portion of the protected memory region associated with the entity; and upon receiving an access grant signal, generating a smart contract, the smart contract defining the entity data to be accessed and a recipient of the entity data to be accessed.

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Toronto, Canada

Sarah Rachel Waigh Yean Wilkinson