Patents by Inventor Kumudini Choyal

Kumudini Choyal 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).

  • Patent number: 11934515
    Abstract: A system for inoculating a computer network against malware is described. Specifically, environmental indicators used by anti-analysis and target filtering mechanisms of a malware program may be determined based on analysis within a virtual or physical sandbox environment. The environmental indicators may be sent to computing devices associated with the computing network. The malware program, based on the environmental indicators, may be spoofed to assume that a computing device is associated with an anti-malware system, and/or is a device that is not to be infected. Based on this assumption, the malware program may not execute within the computing device.
    Type: Grant
    Filed: December 2, 2021
    Date of Patent: March 19, 2024
    Assignee: Bank of America Corporation
    Inventors: Nera Pershing Schwartz, Harish Tammaji Kulkarni, Kumudini Choyal, Mahesh Ramesh Bane, Vaibhav Shankar Tambe
  • Publication number: 20240005312
    Abstract: Aspects of the disclosure relate to multi-factor user authentication for card-based payment transactions using blockchain tokens. An computing platform may receive, from a computing device, transaction details associated with a card-based payment transaction corresponding to a user, wherein the transaction details comprise a card number of a payment card. The computing platform may determine, based on the card number, a user device associated with the user. The computing platform may send, to the user device, a one-time passcode (OTP). After sending the OTP, the computing platform may receive a security key. The security key may be generated based on the sent OTP and a blockchain token hash. The computing platform may, based on the received security key, send, to the computing device, a message indicating whether the transaction is approved or declined.
    Type: Application
    Filed: July 1, 2022
    Publication date: January 4, 2024
    Inventors: Harish Tammaji Kulkarni, Kumudini Choyal, Min Cao, Nhat Minh Nguyen, Ra Uf Ridzuan Bin Ma Arof, Surendran Surendran
  • Publication number: 20230196376
    Abstract: A system for multi-factor user authentication for payment card-based transactions are described. The multifactor authentication may be based on a one-time passcode/password (OTP) as sent by an authentication server. A user device may, based on receiving the OTP, send an authentication code. The authentication code may be generated/determined based on the OTP. The authentication code may be augmented biometric identifier (ID) of a user associated with the user device. The authentication server may validate a transaction based on the authentication code.
    Type: Application
    Filed: December 17, 2021
    Publication date: June 22, 2023
    Inventors: Ra Uf Ridzuan Bin Ma Arof, Harish Tammaji Kulkarni, Kumudini Choyal, Nhat Minh Nguyen, Surendran Surendran
  • Publication number: 20230196349
    Abstract: A system for multi-factor user authentication for payment card-based transactions are described. The multifactor authentication may be based on a one-time passcode/password (OTP) as sent by an authentication server. A user device may, based on receiving the OTP, send an authentication code. The authentication code may be generated/determined based on the OTP. The authentication code may be augmented biometric identifier (ID) of a user associated with the user device. The authentication server may validate a transaction based on the authentication code.
    Type: Application
    Filed: December 17, 2021
    Publication date: June 22, 2023
    Inventors: Ra Uf Ridzuan Bin Ma Arof, Harish Tammaji Kulkarni, Kumudini Choyal, Nhat Minh Nguyen, Surendran Surendran
  • Publication number: 20230196375
    Abstract: A system for multi-factor user authentication for payment card-based transactions are described. The multifactor authentication may be based on a one-time passcode/password (OTP) as sent by an authentication server. A user device may, based on receiving the OTP, send an authentication code. The authentication code may be generated/determined based on the OTP. The authentication code may be augmented biometric identifier (ID) of a user associated with the user device. The authentication server may validate a transaction based on the authentication code.
    Type: Application
    Filed: December 17, 2021
    Publication date: June 22, 2023
    Inventors: Ra Uf Ridzuan Bin Ma Arof, Harish Tammaji Kulkarni, Kumudini Choyal, Nhat Minh Nguyen, Surendran Surendran
  • Publication number: 20230177144
    Abstract: A system for inoculating a computer network against malware is described. Specifically, environmental indicators used by anti-analysis and target filtering mechanisms of a malware program may be determined based on analysis within a virtual or physical sandbox environment. The environmental indicators may be sent to computing devices associated with the computing network. The malware program, based on the environmental indicators, may be spoofed to assume that a computing device is associated with an anti-malware system, and/or is a device that is not to be infected. Based on this assumption, the malware program may not execute within the computing device.
    Type: Application
    Filed: December 2, 2021
    Publication date: June 8, 2023
    Inventors: Nicholas Pershing Schwartz, Harish Tammaji Kulkarni, Kumudini Choyal, Mahesh Ramesh Bane, Vaibhav Shankar Tambe