Patents by Inventor Crystal M. Sundaramoorthy
Crystal M. Sundaramoorthy has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Publication number: 20240013326Abstract: Aspects of the disclosure relate to using secure authentication tokens to grant power of attorney. A computing platform may receive user input indicating a task and requesting that a power of attorney be granted to an individual. The computing platform may generate an authority token granting the individual the power of attorney to perform the task, and may send the authority token, along with task information indicating the task, to the individual. The computing platform may receive a validation request including the authority token and the task information. Based on successful validation, the computing platform may send validation information to an event processing system. After receiving confirmation that the task has been performed by the individual, the computing platform may update dashboard information to indicate that the task has been completed, which may cause the user device to display a dashboard indicating completion of the task.Type: ApplicationFiled: September 21, 2023Publication date: January 11, 2024Inventors: Albena N. Fairchild, Elena Kvochko, Crystal M. Sundaramoorthy, Dipika Jain
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Patent number: 11823092Abstract: Aspects of the disclosure relate to using secure authentication tokens to grant power of attorney. A computing platform may receive user input indicating a task and requesting that a power of attorney be granted to an individual. The computing platform may generate an authority token granting the individual the power of attorney to perform the task, and may send the authority token, along with task information indicating the task, to the individual. The computing platform may receive a validation request including the authority token and the task information. Based on successful validation, the computing platform may send validation information to an event processing system. After receiving confirmation that the task has been performed by the individual, the computing platform may update dashboard information to indicate that the task has been completed, which may cause the user device to display a dashboard indicating completion of the task.Type: GrantFiled: August 30, 2022Date of Patent: November 21, 2023Assignee: Bank of America CorporationInventors: Albena N. Fairchild, Elena Kvochko, Crystal M. Sundaramoorthy, Dipika Jain
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Publication number: 20230368286Abstract: Aspects of the disclosure relate to using machine learning to modify account privacy settings. A computing platform may identify initial account settings for an individual of a plurality of individuals. Using a settings optimization model, the computing platform may identify account data and third party data for the individual. Using the settings optimization model, the computing platform may identify discrepancies between the initial account settings for the first individual and account settings for a subset of the plurality of individuals having common characteristics with the individual. Based on the discrepancies, the computing platform may identify settings modifications for the individual, and may determine that a modification of the settings modifications applies to a detected interaction of the individual. The computing platform may direct an enterprise data source to perform the modification, which may cause the enterprise data source to modify the initial account settings based on the modification.Type: ApplicationFiled: July 27, 2023Publication date: November 16, 2023Inventors: Crystal M. Sundaramoorthy, Elena Kvochko, Albena N. Fairchild, Jinna Kim
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Patent number: 11756112Abstract: Aspects of the disclosure relate to using machine learning to modify account privacy settings. A computing platform may identify initial account settings for an individual of a plurality of individuals. Using a settings optimization model, the computing platform may identify account data and third party data for the individual. Using the settings optimization model, the computing platform may identify discrepancies between the initial account settings for the first individual and account settings for a subset of the plurality of individuals having common characteristics with the individual. Based on the discrepancies, the computing platform may identify settings modifications for the individual, and may determine that a modification of the settings modifications applies to a detected interaction of the individual. The computing platform may direct an enterprise data source to perform the modification, which may cause the enterprise data source to modify the initial account settings based on the modification.Type: GrantFiled: June 10, 2020Date of Patent: September 12, 2023Assignee: Bank of America CorporationInventors: Crystal M. Sundaramoorthy, Elena Kvochko, Albena N. Fairchild, Jinna Kim
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Patent number: 11651373Abstract: A bottom-up hierarchical computer network architecture is provided. The architecture may include a central server. The architecture may also include a plurality of edge nodes that may be coupled to the central server. At least a first one of the edge nodes may be configured to process a transaction, compile data associated with the transaction, and store the data as a master dataset in the first edge node. The architecture may also include a data administration module. The data administration module may be configured to compare the master dataset in the first edge node to transactional data in the central server. When the transactional data in the central server is inconsistent with the master dataset in the first edge node, the data administration module may be configured to update the transactional data in the central server to be consistent with the master dataset in the first edge node.Type: GrantFiled: June 21, 2019Date of Patent: May 16, 2023Assignee: Bank of America CorporationInventors: Monika Kapur, Crystal M. Sundaramoorthy, Kevin A. Delson, Brandon Sloane, Ryan Davis
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Patent number: 11558397Abstract: A system that includes a tagging engine and a routing engine. The tagging engine is configured to link a data element with an access control tag. The tagging engine is configured to apply context rules to the access control tag array based on the content of the data element to change the access control tag value for one or more of the access control tags. The tagging engine sends the data element with the access control tag array to a target network node within an end user group. The routing engine is configured to identify an access control tag value in the access control tag array corresponding with the end user group and to forward the data element to the target network node in response to determining that the access control value is greater than or equal to the access control level associated with the end user group.Type: GrantFiled: September 3, 2020Date of Patent: January 17, 2023Assignee: Bank of America CorporationInventors: Manu J. Kurian, Michael S. Karafotis, Paul G. Roscoe, Saritha P. Vrittamani, Jo-Ann Taylor, Srinivasa D. Madireddi, Timothy L. Atwell, Crystal M. Sundaramoorthy
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Publication number: 20230005089Abstract: Aspects of the disclosure relate to using secure authentication tokens to grant power of attorney. A computing platform may receive user input indicating a task and requesting that a power of attorney be granted to an individual. The computing platform may generate an authority token granting the individual the power of attorney to perform the task, and may send the authority token, along with task information indicating the task, to the individual. The computing platform may receive a validation request including the authority token and the task information. Based on successful validation, the computing platform may send validation information to an event processing system. After receiving confirmation that the task has been performed by the individual, the computing platform may update dashboard information to indicate that the task has been completed, which may cause the user device to display a dashboard indicating completion of the task.Type: ApplicationFiled: August 30, 2022Publication date: January 5, 2023Inventors: Albena N. Fairchild, Elena Kvochko, Crystal M. Sundaramoorthy, Dipika Jain
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Patent number: 11468525Abstract: Aspects of the disclosure relate to using secure authentication tokens to grant power of attorney. A computing platform may receive user input indicating a task and requesting that a power of attorney be granted to an individual. The computing platform may generate an authority token granting the individual the power of attorney to perform the task, and may send the authority token, along with task information indicating the task, to the individual. The computing platform may receive a validation request including the authority token and the task information. Based on successful validation, the computing platform may send validation information to an event processing system. After receiving confirmation that the task has been performed by the individual, the computing platform may update dashboard information to indicate that the task has been completed, which may cause the user device to display a dashboard indicating completion of the task.Type: GrantFiled: June 16, 2020Date of Patent: October 11, 2022Assignee: Bank of America CorporationInventors: Albena N. Fairchild, Crystal M. Sundaramoorthy, Dipika Jain, Elena Kvochko
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Patent number: 11429972Abstract: This disclosure describes an edge-node computing system that provides streamlined access to secured products/services based on data captured by one or more sensors. The captured data may include unsolicited authenticators. Edge-nodes may process the captured data and perform a plurality of pre-authentication routines. A consensus protocol executed by the edge-nodes may establish a threshold pre-authentication of a customer based on the plurality of pre-authentication routines. Edge-nodes may configure an automated teller machine (“ATM”) to provide the customer access to the ATM based on the threshold pre-authentication. The edge-nodes may configure the ATM to allow the customer to use a contactless authentication method to access the ATM.Type: GrantFiled: June 20, 2019Date of Patent: August 30, 2022Assignee: Bank of America CorporationInventors: Brandon Sloane, Monika Kapur, Crystal M. Sundaramoorthy
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Patent number: 11252255Abstract: A method for aggregating outage data via an edge computing system is provided. The method may include transmitting, by each edge-node included in a network, a self-identifying, self-locating, communication. The method may include receiving, at each edge-node included in the network, self-identifying, self-locating, communications from one or more edge-nodes included in the network. The method may include detecting an outage relating to a first edge-node included in the network. The outage may be detected by at least one edge-node included in the network. The at least one edge-node may not be the first edge-node. The at least one edge-node may be the first edge-node operating in limited capacity. The method may include identifying a most-recently confirmed location of an entity co-located with the first edge-node. The method may include dispatching outage-restoration-assistance to the most-recently confirmed real-time location of the entity co-located with the first edge-node.Type: GrantFiled: June 21, 2019Date of Patent: February 15, 2022Assignee: Bank of America CorporationInventors: Ryan Davis, Crystal M. Sundaramoorthy, Kevin A. Delson, Brandon Sloane
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Publication number: 20210390643Abstract: Aspects of the disclosure relate to using secure authentication tokens to grant power of attorney. A computing platform may receive user input indicating a task and requesting that a power of attorney be granted to an individual. The computing platform may generate an authority token granting the individual the power of attorney to perform the task, and may send the authority token, along with task information indicating the task, to the individual. The computing platform may receive a validation request including the authority token and the task information. Based on successful validation, the computing platform may send validation information to an event processing system. After receiving confirmation that the task has been performed by the individual, the computing platform may update dashboard information to indicate that the task has been completed, which may cause the user device to display a dashboard indicating completion of the task.Type: ApplicationFiled: June 16, 2020Publication date: December 16, 2021Inventors: Albena N. Fairchild, Crystal M. Sundaramoorthy, Dipika Jain, Elena Kvochko
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Publication number: 20210390616Abstract: Aspects of the disclosure relate to using machine learning to modify account privacy settings. A computing platform may identify initial account settings for an individual of a plurality of individuals. Using a settings optimization model, the computing platform may identify account data and third party data for the individual. Using the settings optimization model, the computing platform may identify discrepancies between the initial account settings for the first individual and account settings for a subset of the plurality of individuals having common characteristics with the individual. Based on the discrepancies, the computing platform may identify settings modifications for the individual, and may determine that a modification of the settings modifications applies to a detected interaction of the individual. The computing platform may direct an enterprise data source to perform the modification, which may cause the enterprise data source to modify the initial account settings based on the modification.Type: ApplicationFiled: June 10, 2020Publication date: December 16, 2021Inventors: Crystal M. Sundaramoorthy, Elena Kvochko, Albena N. Fairchild, Jinna Kim
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Patent number: 10915613Abstract: Systems for dynamic authentication are provided. In some examples, a system may receive a request to process an event. In some examples, the request to process the event may include additional details associated with the event. The system may initiate dynamic authentication functions and may retrieve data from a plurality of sources. In some examples, the data from the plurality of sources may be analyzed using machine learning to dynamically generate authentication data, such as one or more authentication questions. The system may also generate one or more corresponding responses or answers to the one or more authentication questions. In some examples, the one or more authentication questions may be transmitted to a user device or other device and may be displayed to the user. The user may provide authentication response data that may be analyzed by the system to determine whether it matches the generated response or answer. If so, the user may be authenticated and/or the event may be processed.Type: GrantFiled: August 21, 2018Date of Patent: February 9, 2021Assignee: Bank of America CorporationInventors: Keesara Himabindu, Jayachandra Varma, Crystal M. Sundaramoorthy, Gilbert M. Gatchalian, Manu Kurian, Kevin A. Delson, Saritha Prasad Vrittamani, Angela Cain
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Publication number: 20210012393Abstract: A method for evaluating an entity's net worth via a plurality of smart sensors is provided. The method may include determining a range of base-line values for each characteristic associated with a plurality of physical assets. Each physical asset may be coupled to one of the smart sensors. The method may include monitoring periodically to determine a measurable characteristic value for each characteristic and comparing each measured characteristic value to a stored range of base-line values for the characteristic. When a change is detected and is outside the range of base-line values, the method may include transmitting the change from to an edge computing device and modifying a stored monetary base value of each physical asset based on the change. The method may further include generating a total net value of the plurality of physical assets by combining the modified monetary base value of each physical asset.Type: ApplicationFiled: July 9, 2019Publication date: January 14, 2021Inventors: Ryan Davis, Albena N. Fairchild, Crystal M. Sundaramoorthy
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Publication number: 20200402338Abstract: Apparatus and methods are provided for a system for tracking a movement of a dollar bill. The apparatus may include a dollar bill. The dollar bill may include an embedded sensor. The sensor may be embedded in a thickness of the bill. The sensor may have a thickness of less than 0.0043 inches. The sensor may include a memory for storing data and a transmitter. The apparatus may also include a receiver positioned on a brick and mortar banking center. The receiver may be configured to detect data transmitted from the bill and a direction of movement of the bill.Type: ApplicationFiled: June 21, 2019Publication date: December 24, 2020Inventors: Heather Dolan, Stephen T. Shannon, William August Stahlhut, Siten Sanghvi, Crystal M. Sundaramoorthy, Kevin A. Delson, Ryan Davis
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Publication number: 20200402052Abstract: This disclosure describes an edge-node computing system that provides streamlined access to secured products/services based on data captured by one or more sensors. The captured data may include unsolicited authenticators. Edge-nodes may process the captured data and perform a plurality of pre-authentication routines. A consensus protocol executed by the edge-nodes may establish a threshold pre-authentication of a customer based on the plurality of pre-authentication routines. Edge-nodes may configure an automated teller machine (“ATM”) to provide the customer access to the ATM based on the threshold pre-authentication. The edge-nodes may configure the ATM to allow the customer to use a contactless authentication method to access the ATM.Type: ApplicationFiled: June 20, 2019Publication date: December 24, 2020Inventors: Brandon Sloane, Monika Kapur, Crystal M. Sundaramoorthy
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Publication number: 20200404001Abstract: A system that includes a tagging engine and a routing engine. The tagging engine is configured to link a data element with an access control tag. The tagging engine is configured to apply context rules to the access control tag array based on the content of the data element to change the access control tag value for one or more of the access control tags. The tagging engine sends the data element with the access control tag array to a target network node within an end user group. The routing engine is configured to identify an access control tag value in the access control tag array corresponding with the end user group and to forward the data element to the target network node in response to determining that the access control value is greater than or equal to the access control level associated with the end user group.Type: ApplicationFiled: September 3, 2020Publication date: December 24, 2020Inventors: Manu J. Kurian, Michael S. Karafotis, Paul G. Roscoe, Saritha P. Vrittamani, Jo-Ann Taylor, Srinivasa D. Madireddi, Timothy L. Atwell, Crystal M. Sundaramoorthy
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Publication number: 20200404063Abstract: A method for aggregating outage data via an edge computing system is provided. The method may include transmitting, by each edge-node included in a network, a self-identifying, self-locating, communication. The method may include receiving, at each edge-node included in the network, self-identifying, self-locating, communications from one or more edge-nodes included in the network. The method may include detecting an outage relating to a first edge-node included in the network. The outage may be detected by at least one edge-node included in the network. The at least one edge-node may not be the first edge-node. The at least one edge-node may be the first edge-node operating in limited capacity. The method may include identifying a most-recently confirmed location of an entity co-located with the first edge-node. The method may include dispatching outage-restoration-assistance to the most-recently confirmed real-time location of the entity co-located with the first edge-node.Type: ApplicationFiled: June 21, 2019Publication date: December 24, 2020Inventors: Ryan Davis, Crystal M. Sundaramoorthy, Kevin A. Delson, Brandon Sloane
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Publication number: 20200402059Abstract: A bottom-up hierarchical computer network architecture is provided. The architecture may include a central server. The architecture may also include a plurality of edge nodes that may be coupled to the central server. At least a first one of the edge nodes may be configured to process a transaction, compile data associated with the transaction, and store the data as a master dataset in the first edge node. The architecture may also include a data administration module. The data administration module may be configured to compare the master dataset in the first edge node to transactional data in the central server. When the transactional data in the central server is inconsistent with the master dataset in the first edge node, the data administration module may be configured to update the transactional data in the central server to be consistent with the master dataset in the first edge node.Type: ApplicationFiled: June 21, 2019Publication date: December 24, 2020Inventors: Monika Kapur, Crystal M. Sundaramoorthy, Kevin A. Delson, Brandon Sloane, Ryan Davis
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Patent number: 10812486Abstract: Aspects of the disclosure relate to utilizing smart data tags to track and control secure enterprise data. A computing platform may receive, from an enterprise user computing device, enterprise data. Subsequently, the computing platform may determine one or more tags to be applied to the enterprise data. Then, the computing platform may generate a smart data object based on the enterprise data received from the enterprise user computing device and the one or more tags determined to be applied to the enterprise data received from the enterprise user computing device. Next, the computing platform may send, to an enterprise data storage platform, the smart data object, and sending the smart data object to the enterprise data storage platform may cause the enterprise data storage platform to store the smart data object in a repository comprising a plurality of smart data objects maintained by the enterprise data storage platform.Type: GrantFiled: December 5, 2018Date of Patent: October 20, 2020Assignee: Bank of America CorporationInventors: Kevin A. Delson, Crystal M. Sundaramoorthy, Manu Kurian, Gopikrishna Nemalikanti, Jayachandra Varma, Gilbert M. Gatchalian