Bank of America Corporation

Benjamin D Moores

Maharaj Mukherjee

George Albero

Elijah Clark

Aspects of the disclosure relate to message validation. A computing platform may receive a message, sent by a first device and directed to a second device, from an electronic messaging server. The computing platform may verify, based on message sender details, an identity of a sender of the message. The computing platform may generate, after verifying the identity of the sender of the message, an authentication token for the message, and may inject the authentication token into the message. The computing platform may route, to the electronic messaging server and after injecting the authentication token into the message, the message. The computing platform may receive a request to validate the message, which may include the authentication token and details of the message. The computing platform may identify, using the authentication token and the details of the message, that the message is authenticated.

Email verification using injected tokens for message authentication

Aspects of the disclosure relate to electronic messaging security. A computing platform may push, to a client device, an electronic messaging plugin configured to validate steganographic modifications, embedded in electronic messages by the computing platform. The computing platform may intercept an electronic message directed to the client device. The computing platform may generate a steganographic modification to the electronic message. The computing platform may embed, in the electronic message, the steganographic modification, resulting in a modified electronic message. The computing platform may send, to the client device, the modified electronic message, where the client device may configured to validate, using the electronic messaging plugin, the steganographic modification prior to launching the modified electronic message at the client device.

Dynamic steganographic embeddings for message threat detection

Aspects of the disclosure relate to digital check processing. A computing platform may receive, from a first recipient, a request to transfer a first portion of funds, corresponding to the first digital check image, to a second recipient account and a second portion of the funds, corresponding to the first digital check image, to a third recipient account. The computing platform may generate second and third digital check images representative of the first and second portions of the funds respectively. Based on successful validation of the second digital check image and the third digital check image, the computing platform may embed, into the second and third digital check images, a digital chip that indicates the successful validation. The computing platform may send, to the second recipient account and the third recipient account, the second and third digital check images respectively.

Digital check disbursement using digital chip and distributed ledger methods

Aspects of the disclosure relate to digital check processing. A computing platform may receive a check image from a user device. The computing platform may configure, based on the check image, a digital check for use in conducting transactions between the user device and point of sale devices, which may include generating a QR code for the check. The computing platform may send, to the user device, the digital check, which may enable the user device to execute a transaction with a first point of sale device. The computing platform may receive, from the first point of sale device, a request to execute the transaction. The computing platform may direct an event processing server to process the transaction, which may cause the event processing server to execute a transfer of funds from an account of the initial payor to an enterprise account of the first point of sale device.

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Ventura, CA, United States of America

Benjamin D Moores