Patents by Inventor Melody Su-Shin Kao
Melody Su-Shin Kao 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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Patent number: 11910190Abstract: Subscriber identity modules can be bound to devices and utilized for authentication. An initial or additional subscriber identity module can be bound to a user device, for instance after successful user authentication by way of an alternate mechanism. A subscriber identity module of a device can be identified, and carrier data associated with the subscriber identity module can be requested and received. A determination can be made regarding whether the subscriber identity module is linked to the device, for instance by an original linkage. A user profile can be automatically updated with the carrier data to bind the user to the user device based on the subscriber identity module when the subscriber identity module is verified to be linked to the user device. Subsequently, the subscriber identity module can be utilized as a basis for authentication.Type: GrantFiled: June 23, 2022Date of Patent: February 20, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Elenchezhean Selvaraj, Darrell L. Suen, Melody Su-Shin Kao, Sridhar Kotamraju
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Patent number: 11381967Abstract: Subscriber identity modules can be bound to devices and utilized for authentication. An initial or additional subscriber identity module can be bound to a user device, for instance after successful user authentication by way of an alternate mechanism. A subscriber identity module of a device can be identified, and carrier data associated with the subscriber identity module can be requested and received. A determination can be made regarding whether the subscriber identity module is linked to the device, for instance by an original linkage. A user profile can be automatically updated with the carrier data to bind the user to the user device based on the subscriber identity module when the subscriber identity module is verified to be linked to the user device. Subsequently, the subscriber identity module can be utilized as a basis for authentication.Type: GrantFiled: June 26, 2020Date of Patent: July 5, 2022Assignee: Wells Fargo Bank, N.AInventors: Elenchezhean Selvaraj, Darrell L. Suen, Melody Su-Shin Kao, Sridhar Kotamraju
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Patent number: 11348102Abstract: Intelligent authentication is disclosed. Data associated with a request for resource access by a user is compared to values of factors related to previous resource access by the user. A score is computed based on a result of the compare. Here, the score represents a degree of likelihood the user is the user associated with the previous resource access. An authentication level can then be determined based on the score, and authentication of the user triggered at the authentication level. In one instance, the authentication can be triggered to re-authenticate a user after a user session times out.Type: GrantFiled: May 1, 2020Date of Patent: May 31, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Darrell Lee Suen, Sridhar Kotamraju, Christopher P. Clausen, Melody Su-Shin Kao, Christina Z. Ongpin, Kevin R. Cieslak
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Patent number: 10743181Abstract: Systems, methods, and other embodiments associated with multi SIM card device binding are described herein. According to one embodiment, a system includes an authentication logic configured to enable communication between an entity and a user. The user is associated with a user profile. The system further includes a carrier logic configured to identify a subscriber identity module (SIM) card of a carrier. The carrier logic also requests carrier data associated with the SIM card from the carrier. An update logic is configured to update the user profile with the carrier data.Type: GrantFiled: March 9, 2018Date of Patent: August 11, 2020Assignee: WELLS FARGO BANK, N.A.Inventors: Elenchezhean Selvaraj, Darrell L. Suen, Melody Su-Shin Kao, Sridhar Kotamraju
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Patent number: 10679211Abstract: Intelligent authentication is disclosed. According to one embodiment, a system includes a transaction logic configured to receive transaction metadata associated with an attempted transaction. The transaction logic is also configured to identify a user attempting the attempted transaction. The system further includes an activity logic configured to access an activity log associated with the user. The activity log includes values corresponding to previous transactions made by the user and any additional information provided by 3rd party feeds. The activity logic is also configured to compare transaction metadata to the values. The system also includes an authentication logic configured to select an authentication level for the transaction based, at least in part, on the comparison.Type: GrantFiled: June 3, 2019Date of Patent: June 9, 2020Assignee: WELLS FARGO BANK, N.A.Inventors: Darrell Lee Suen, Sridhar Kotamraju, Christopher P. Clausen, Melody Su-Shin Kao, Christina Z. Ongpin, Kevin R. Cieslak
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Patent number: 10311432Abstract: Systems, methods, and other embodiments associated with intelligent authentication. According to one embodiment, a system includes a transaction logic configured to receive transaction metadata associated with an attempted transaction. The transaction logic is also configured to identify a user attempting the attempted transaction. The system further includes an activity logic configured to access an activity log associated with the user. The activity log includes values corresponding to previous transactions made by the user and any additional information provided by 3rd party feeds. The activity logic is also configured to compare transaction metadata to the values. The system also includes an authentication logic configured to select an authentication level for the transaction based, at least in part, on the comparison.Type: GrantFiled: February 19, 2018Date of Patent: June 4, 2019Assignee: WELLS FARGO BANK, N.A.Inventors: Darrell Lee Suen, Sridhar Kotamraju, Christopher P. Clausen, Melody Su-Shin Kao, Christina Z. Ongpin, Kevin R. Cieslak
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Patent number: 9949126Abstract: Systems, methods, and other embodiments associated with multi SIM card device binding are described herein. According to one embodiment, a system includes an authentication logic configured to enable communication between an entity and a user. The user is associated with a user profile. The system further includes a carrier logic configured to identify a subscriber identity module (SIM) card of a carrier. The carrier logic also requests carrier data, associated with the SIM card from the carrier. An update logic is configured to update the user profile with the carrier data.Type: GrantFiled: July 17, 2017Date of Patent: April 17, 2018Assignee: WELLS FARGO BANK, N.A.Inventors: Elenchezhean Selvaraj, Darrell L. Suen, Melody Su-Shin Kao, Sridhar Kotamraju
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Patent number: 9749862Abstract: Systems, methods, and other embodiments associated with multi SIM card device binding are described herein. According to one embodiment, a system includes an authentication logic configured to enable communication between an entity and a user. The user is associated with a user profile. The system further includes a carrier logic configured to identify a subscriber identity module (SIM) card of a carrier. The carrier logic also requests carrier data associated with the SIM card from the carrier. An update logic is configured to update the user profile with the carrier data.Type: GrantFiled: November 9, 2016Date of Patent: August 29, 2017Assignee: WELLS FARGO BANK, N.A.Inventors: Elenchezhean Selvaraj, Darrell L. Suen, Melody Su-Shin Kao, Sridhar Kotamraju
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Patent number: 9520911Abstract: Systems, methods, and other embodiments associated with multi SIM card device binding are described herein. According to one embodiment, a system includes an authentication logic configured to enable communication between an entity and a user. The user is associated with a user profile. The system further includes a carrier logic configured to identify a subscriber identity module (SIM) card of a carrier. The carrier logic also requests carrier data associated with the SIM card from the carrier. An update logic is configured to update the user profile with the carrier data.Type: GrantFiled: December 23, 2014Date of Patent: December 13, 2016Assignee: WELLSFARGO BANK, N.A.Inventors: Elenchezhean Selvaraj, Darrell L. Suen, Melody Su-Shin Kao, Sridhar Kotamraju
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Publication number: 20160182110Abstract: Systems, methods, and other embodiments associated with multi SIM card device binding are described herein. According to one embodiment, a system includes an authentication logic configured to enable communication between an entity and a user. The user is associated with a user profile. The system further includes a carrier logic configured to identify a subscriber identity module (SIM) card of a carrier. The carrier logic also requests carrier data associated with the SIM card from the carrier. An update logic is configured to update the user profile with the carrier data.Type: ApplicationFiled: December 23, 2014Publication date: June 23, 2016Applicant: WELLS FARGO BANK, N.A.Inventors: Elenchezhean Selvaraj, Darrell L. Suen, Melody Su-Shin Kao, Sridhar Kotamraju
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Publication number: 20160098710Abstract: Systems, methods, and other embodiments associated with intelligent authentication. According to one embodiment, a system includes a transaction logic configured to receive transaction metadata associated with an attempted transaction. The transaction logic is also configured to identify a user attempting the attempted transaction. The system further includes an activity logic configured to access an activity log associated with the user. The activity log includes values corresponding to previous transactions made by the user and any additional information provided by 3rd party feeds. The activity logic is also configured to compare transaction metadata to the values. The system also includes an authentication logic configured to select an authentication level for the transaction based, at least in part, on the comparison.Type: ApplicationFiled: October 1, 2014Publication date: April 7, 2016Applicant: WELLS FARGO BANK, N.A.Inventors: Darrell Lee Suen, Sridhar Kotamraju, Christopher P. Clausen, Melody Su-Shin Kao, Christina Z. Ongpin, Kevin R. Cieslak