Patents by Inventor Nirmala Gayal

Nirmala Gayal 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: 9516098
    Abstract: Embodiments of the invention are directed to a system, method, and computer program product for generating a response to a client request. The system typically including a memory, a processor and a module configured to receive a request associated with a service from a client; initiate the presentation of a first user interface, wherein the first user interface enables a user selection of one or more template types; initiate the presentation of a second user interface based on at least a user selection of one or more template types, wherein the second user interface enables a user selection of one or more templates associated with the selected template type; receive a client progress from the user based on at least the selection of the one or more templates to generate a response, wherein the response reflects the status of the request; and transmit the response to the client.
    Type: Grant
    Filed: April 24, 2014
    Date of Patent: December 6, 2016
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Nirmala Gayal, Rahul Mahajan, Yolanda D. James, Venkatesh Naidu, Raghavendran Narasimhan
  • Publication number: 20160012031
    Abstract: Embodiments of the invention are directed to systems, methods and computer program products for use in financial systems, where message are automatically generated based on message templates. An exemplary apparatus is configured to access a click to launch tool that is configured to automatically generate messages based at least partially on one or more message templates. After selecting a message type presented within the click to launch tool, the system may receive information via a message template associated with the selected message type and related to a financial agreement. A message comprising the received information is automatically generated and sent the message to one or more entities associated with the financial agreement.
    Type: Application
    Filed: July 8, 2014
    Publication date: January 14, 2016
    Inventors: Raghavendran Narasimhan, Pankaj Kumar, Mohit Sharma, Monika V. Kapur, Nirmala Gayal
  • Publication number: 20150312321
    Abstract: Embodiments of the invention are directed to a system, method, and computer program product for generating a response to a client request. The system typically including a memory, a processor and a module configured to receive a request associated with a service from a client; initiate the presentation of a first user interface, wherein the first user interface enables a user selection of one or more template types; initiate the presentation of a second user interface based on at least a user selection of one or more template types, wherein the second user interface enables a user selection of one or more templates associated with the selected template type; receive a client progress from the user based on at least the selection of the one or more templates to generate a response, wherein the response reflects the status of the request; and transmit the response to the client.
    Type: Application
    Filed: April 24, 2014
    Publication date: October 29, 2015
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Nirmala Gayal, Rahul Mahajan, Yolanda D. James, Venkatesh Naidu, Raghavendran Narasimhan
  • Patent number: 9171331
    Abstract: The present invention is directed to a commercial card packet form system that enables one or more users associated with a financial institution to input information associated with a customer to whom a commercial card (e.g., a purchase card, a travel card, a debit card, a credit card, a temporary card) is being issued. Each user may be granted or denied access to particular fields of information on the commercial card packet form depending on her or his role at the financial institution. The packet form may require reentry of information or user authentication to ensure accuracy of information. Pop-up warnings may alert the one or more users of potentially incomplete fields of information and instruct the one or more users to provide additional information. An audit trail may track updates to information and includes a timestamp and details associated with the user who made the updates.
    Type: Grant
    Filed: July 23, 2014
    Date of Patent: October 27, 2015
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Nirmala Gayal, Rahul Mahajan, Raghavendran Narasimhan, Venkatesh Naidu, Neha Chaudhary, Gunveen Singh, Gurdeep Kaur, Kapil Jaggi