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US 2019/0166128 A1Published application
Methods, apparatus and systems for authenticating and verifying an electronic communication
AssigneeBank of America Corporation
InventorsManu Kurian, Joseph Castinado
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Abstract
Systems, methods and apparatus for authenticating and verifying an electronic communication are provided. Systems, apparatus and methods determine which emails pose a threat and which are benign. Systems, apparatus and methods filter malicious emails from non-malicious emails. Systems, apparatus and methods prevent receipt of bulk unsolicited and/or otherwise undesirable communications. Systems, apparatus and methods authenticate an identity of a sender of an electronic communication. Systems, methods and apparatus may involve biometric authentication.
Claims24
A method for authenticating electronic communications, the method comprising:
- generating a whitelist database in association with at least one account of at least one recipient, the whitelist database including at least one identifying reference to a whitelist correspondent, the generating of the whitelist database including:
- receiving from the whitelist correspondent registration data associated with at least one of:
- a first penalty;
- and
- identifying information;
- and
- in response to the receiving the registration data, cataloging into the whitelist database, and in association with the identifying reference, identification data associated with at least one of:
- a whitelist correspondent device associated with the whitelist correspondent;
- and
- a whitelist correspondent address associated with the whitelist correspondent;
- generating a blacklist database in association with the account, the blacklist database including at least one blacklist correspondent address, the generating of the blacklist database including:
- identifying a property of the blacklist correspondent address, the property indicating that communications originating from the blacklist correspondent address are at least one of unsolicited and malicious;
- and
- in response to the identifying, cataloging identification data associated with the blacklist correspondent address into the blacklist database;
- receiving an electronic communication submitted by a sender for delivery to the recipient;
- analyzing the content of the electronic communication for presence of identification data;
- upon determination that the electronic communication includes a minimum threshold of the identification data cataloged in the whitelist database, delivering the communication to the recipient;
- upon determination that the communication includes the identification data cataloged in the blacklist database, blocking delivery of the communication;
- and
- upon determination that the communication lacks the identification data cataloged in the blacklist database, and further lacks the minimum threshold:
- prompting the sender to submit supplementary data including at least one of:
- a second penalty;
- and
- additional identifying information;
- and
- delivering the communication to the recipient only after at least one of:
- receipt of the second penalty;
- and
- determining correspondence of the additional identifying information to the identification data associated with the whitelist correspondent.
26 more elements
A method for authenticating electronic communications, the method comprising:
- associating a correspondent address with a first set of identity verification data;
- presenting a sender with a request for a username;
- presenting the sender with a request for a second set of identity verification data;
- upon determination of a pre-established association between the username and the second identity verification data, presenting the sender with access to an electronic communication account, the access including features for composing the communication;
- upon initiation of an attempt by the sender to transmit the communication to the recipient, presenting the sender with a request for the first set of identity verification data;
- and
- upon presentation by the sender of the first set of identity verification data, transmitting the communication to the recipient.
4 more elements
A system for authentication of an electronic communication transmitted to a recipient, the system comprising:
- at least one processor including a transmitter;
- and
- a medium including computer-executable instructions, wherein the instructions, when executed by the processor, cause the processor to:
- perform at least one verification of at least one identifier included in the communication;
- and
- transmit the electronic communication upon the verification of the identifier;
- and
- a receiver associated with an account of the recipient and configured for receipt of the electronic communication.
5 more elements
A system for verifying and authenticating an electronic communication, the system comprising:
- at least one processor;
- and
- a medium including computer-executable instructions, wherein the instructions, when executed by the processor, cause the processor to:
- receive the communication;
- analyze the communication for inclusion of at least one embedded identifier indicating an identity of a sender of the communication;
- compare the identifier to a database of registered identifiers;
- determine if the identifier is associated with an account that has been flagged as compromised;
- determine if the identifier is associated with an account that has been terminated;
- and
- upon determination that the identity is associated with a registered account that is both active and uncompromised, transmit the email to an intended recipient.
7 more elements
Dependencies are inferred from the claim text.