Bank of America Corporation

Alex Y Yang

Linda Haddad

Milton Santiago, Jr

Christopher Hope

Thomas J Durkin

Neha Joshi

Katherine Jameson

Savit A Pirl

Doug J Carlson

Brian G Higgins

Apparatus and methods disclosed herein provide technical solutions improving the security of email messages. An email message may be encrypted so that a predetermined passcode is not required to access the email message. Apparatus and methods may route email messages through a remote portal. The email message may only be transmitted to the recipient via the portal. In some instances, the contents of an email message may not be transmitted from the portal to the recipient. Rather, the recipient may only access the email message from within the portal. Such restricted access may be preferably less complex because the recipient's computer terminal may automatically connect to the portal.

Secure email transmission via treasury portal

Apparatus for coordinating a rule-based relationship between a bank, a vendor and a merchant is provided. The apparatus may include a vendor data platform, a vendor payment platform and a vendor clearing platform. The vendor data platform may receive a vendor name, a vendor identification number and vendor banking information and may this information into a third party database maintained by a third party. The vendor payment platform may receive the vendor identification number and a payment amount electronically associated with the vendor identification number without the banking information and transmit, to the third party, the vendor identification number and the payment amount. The vendor clearing platform may receive, from the third party, the payment amount and the banking information, and may transmit information to a clearing house. The information may initiate a transfer of funds into a vendor bank account.

Cloud-based data augmentation

Growing community of inventors

Atlanta, GA, United States of America

Alex Y Yang