Patents by Inventor Davindar S. Gill

Davindar S. Gill 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).

  • System and method for cross-channel authentication
    Patent number: 9407633
    Abstract: A system includes a memory and processor. The memory stores a user account identifier associated with a user account. The processor receives at least one user credential and authenticates the user account based at least in part on the at least one user credential. The processor further receives a first request, from a device associated with the user account, to generate a one-time password and generates the one-time password in response to receiving the first request. The processor associates the one-time password to the user account and communicates the one-time password to the device associated with the user account. The processor further receives a second request, from a transaction device, the second request comprising an attempted one-time password, determines whether the attempted one-time password is valid, and communicates, to the transaction device, an indication that the attempted one-time password is valid in response to determining that the attempted one-time password is valid.
    Type: Grant
    Filed: January 5, 2016
    Date of Patent: August 2, 2016
    Assignee: Bank of America Corporation
    Inventors: Davindar S. Gill, Therese H. Willis, Lekha Ananthakrishnan, Eileen D. Bridges, Francis G. Farro, II
  • SYSTEM AND METHOD FOR CROSS-CHANNEL AUTHENTICATION
    Publication number: 20160119333
    Abstract: A system includes a memory and processor. The memory stores a user account identifier associated with a user account. The processor receives at least one user credential and authenticates the user account based at least in part on the at least one user credential. The processor further receives a first request, from a device associated with the user account, to generate a one-time password and generates the one-time password in response to receiving the first request. The processor associates the one-time password to the user account and communicates the one-time password to the device associated with the user account. The processor further receives a second request, from a transaction device, the second request comprising an attempted one-time password, determines whether the attempted one-time password is valid, and communicates, to the transaction device, an indication that the attempted one-time password is valid in response to determining that the attempted one-time password is valid.
    Type: Application
    Filed: January 5, 2016
    Publication date: April 28, 2016
    Inventors: Davindar S. Gill, Therese H. Willis, Lekha Anathakrishnan, Eileen D. Bridges, Francis G. Farro
  • System and method for cross-channel authentication
    Patent number: 9319401
    Abstract: A system may include a memory and processor. The memory may store a user account identifier associated with a user account. The processor may be able to receive at least one user credential and authenticate the user account based at least in part on the at least one user credential. The processor may also receive a first request, from a device associated with the user account, to generate a one-time password and generate the one-time password in response to receiving the first request. The processor may associate the one-time password to the user account and communicate the one-time password to the device associated with the user account.
    Type: Grant
    Filed: January 27, 2014
    Date of Patent: April 19, 2016
    Assignee: Bank of America Corporation
    Inventors: Davindar S. Gill, Therese H. Willis, Lekha Ananthakrishnan, Eileen D. Bridges, Francis G. Farro, II
  • SYSTEM AND METHOD FOR CROSS-CHANNEL AUTHENTICATION
    Publication number: 20150215310
    Abstract: A system may include a memory and processor. The memory may store a user account identifier associated with a user account. The processor may be able to receive at least one user credential and authenticate the user account based at least in part on the at least one user credential. The processor may also receive a first request, from a device associated with the user account, to generate a one-time password and generate the one-time password in response to receiving the first request. The processor may associate the one-time password to the user account and communicate the one-time password to the device associated with the user account.
    Type: Application
    Filed: January 27, 2014
    Publication date: July 30, 2015
    Applicant: Bank of America Corporation
    Inventors: Davindar S. Gill, Therese H. Wills, Lekha Ananthakrishnan, Elleen D. Bridges, Francis G. Farro, II