Bank of America Corporation

Thomas J Durkin

Manu Jacob Kurian

Linda Haddad

Sorin N Cismas

Paul Roscoe

Milton Santiago, Jr

Christopher Hope

James P Scopis

Savit A Pirl

Alex Y Yang

Doug J Carlson

Brian G Higgins

Apparatus and methods for generating a unique token that can be imprinted on a document to attest to the verification of an executor's signature. The apparatus and methods may include a platform that may present a token electronically to the executor via a first electronic channel. The executor may use a registered device to capture a portion of the token, and transmit the portion from the registered device to the platform via a second channel to the platform. The platform may verify that the portion is registered to the executor. The platform may combine the portion with another portion of the token, and imprint the pair of combined portions on the document with another token.

E-code multi-imprints

Apparatus and methods securely limiting access to a document segment. The apparatus may include a use-zone definition engine. The use-zone may include a zone in which authorized individuals may engage in activity regarding a document segment that is designated for use in the zone. The zone may be defined based on zone parameters such as geographic coordinates or network domains. The apparatus may include a use-zone instancing engine. The instancing engine may be configured to attach to the segment an executable program corresponding to the use-zone. The executable program may be configured to verify that the segment is inside the zone and that the user is authorized to be in the zone. The executable program may be configured to destroy a copy of the segment residing on a device registered to the user.

Elastic virtual information access ecosystem

Embodiments of the invention are directed to a system, method, or computer program product for providing elastic authentication based on a continuum of elastic authentication credentials. In particular, the invention provides a secure platform for authorization of a user activity at least partly based on validation of the continuum of elastic authentication credentials comprising cumulative tiered elastic authentication tokens captured during an extended time period prior to initiation of a user activity. The invention provides a novel method for capturing multiple elastic authentication tokens, for example, arbitrarily during an extended time period preceding a user activity, and validating the cumulative elastic authentication tokens at a time during or after initiation of the user activity. Another aspect of the invention is directed to mitigating interception of authentication credentials by employing the elastic authentication tokens captured/received using multiple communication channels over various time periods preceding the user activity.

Elastic authentication system

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

Chicago, IL, United States of America

Thomas J Durkin