Patents by Inventor Ramanathan Ramanathan

Ramanathan Ramanathan 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: 11843671
    Abstract: Embodiments of the present disclosure provide for improvements in managing connection channels for multiple associated users. As connection channel changes occur for one or more users, various connection channels are updated such that appropriate functionality is accessible as determined based on aspects of the connection channel change. Example embodiments provide for establishing a plurality of connection channels associated with a plurality of user data objects, where each of the plurality of connection channels enables access to functionality associated with a shared electronic data object via one of a plurality of computing devices, detecting, for a first user data object of the plurality of user data objects, a connection channel change associated with a first connection channel corresponding to a first computing device, and updating the functionality associated with the shared electronic data object for at least one of the plurality of connection channels based on the connection channel change.
    Type: Grant
    Filed: May 12, 2022
    Date of Patent: December 12, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ramanathan Ramanathan, Chris Theodore Kalaboukis, Andrew J. Garner, IV, Abhijit Rao, Joon Maeng, Andres J. Saenz, Rameshchandra Bhaskar Ketharaju
  • Patent number: 11842445
    Abstract: A method for representing a visualization of assets includes receiving a request for a transfer of assets from an electronic computing device having augmented reality (AR) capabilities or virtual reality (VR) capabilities. The request includes a source account, a destination account, and a transfer amount. An image data is generated, which is representative of the transfer amount being transferred from the source account to the destination account. The image data is sent to an image generator of the electronic computing device to be displayed.
    Type: Grant
    Filed: October 28, 2020
    Date of Patent: December 12, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Marjorie Summit Anzalone, Andriy Fedorchuk, Jason Huang, Graham Linn, Dennis E. Montenegro, Matthew Pearce, Ramanathan Ramanathan, Debarchana Roy, Adam Smith-Kipnis
  • Patent number: 11838410
    Abstract: Systems, apparatuses, methods, and computer program products are disclosed for gathering performance information for post-quantum cryptography (PQC) is provided. An example method includes generating, by a QC detection data generation circuitry, QC detection data. The example method further includes encrypting, by a PQC cryptographic circuitry, the QC detection data based on a PQC cryptographic technique The example method further includes decrypting, by a PQC decryption circuitry, the QC detection data. The example method further includes storing, by a PQC cryptographic performance circuitry, encryption metadata generated by the PQC cryptographic circuitry and decryption metadata generated by the PQC decryption circuitry as PQC cryptographic performance information associated with the PQC cryptographic technique.
    Type: Grant
    Filed: January 30, 2020
    Date of Patent: December 5, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ramanathan Ramanathan, Abhijit Rao, Adam Sanders, Michael Erik Meinholz, Bradford A. Shea, Pierre Arbajian, Andrew J. Garner, IV, Ramesh Yarlagadda
  • Patent number: 11829976
    Abstract: Methods, apparatuses, and computer program products are disclosed for currency control. An example computer-implemented method includes receiving physical currency data associated with one or more physical currency notes and generating digital currency data based upon the physical currency data. The digital currency data includes a digital representation of the physical currency notes. The computer-implemented method further includes determining one or more selected physical currency notes for destruction based upon the digital currency data and may include querying a currency attribute database that includes one or more currency attributes associated with the physical currency notes. The computer-implemented method also includes causing destruction of the selected physical currency notes. In response to causing destruction of the selected physical currency notes, the computer-implemented method includes modifying the currency attribute database.
    Type: Grant
    Filed: November 6, 2020
    Date of Patent: November 28, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ramanathan Ramanathan, Chris Theodore Kalaboukis, Andrew J. Garner, IV, Abhijit Rao, Joon Maeng, Andres J. Saenz, Rameshchandra Bhaskar Ketharaju
  • Patent number: 11810102
    Abstract: A boarding pass can be employed as a financial instrument to make payments and other financial transactions. A passenger name record, a standardized computer reservation system protocol, can be associated with one or more financial accounts. When a point of sale device scans the boarding pass, either on a mobile device, or a traditional paper boarding pass, the passenger name record can be used to find a travel itinerary associated with the customer. By matching the travel itinerary to the location of the point of sale device, and the time, payments can be authorized and then initiated using financial account information associated with the passenger name record. Likewise, a mismatch can provide a basis for denying authorization and subsequent payment.
    Type: Grant
    Filed: June 22, 2021
    Date of Patent: November 7, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Srivathsan Sridharan, Akash Gupta, Tarun Kailaschandbaid, Ramanathan Ramanathan, Shanmukeswara Donkada
  • Patent number: 11803416
    Abstract: An example method includes, responsive to receipt of a task request to perform a task (e.g., associated with a service), and further responsive to generation of an avatar instance from an avatar object representing at least one device having a defined group of capabilities, selecting devices (e.g., service providers providing microservices) to perform sub-tasks associated with the task, wherein each of the devices has at least one defined capability, and wherein the task request includes parameter values, and sending, to the devices, at least one sub-task request to perform the sub-tasks, the at least one sub-task request including at least one parameter value, responsive to sending the at least one sub-task request, receiving, from the devices, sub-task replies associated with performance of the sub-tasks, and sending, based on the sub-task replies, a task reply associated with performance of the task. The example method may support autonomous or semi-autonomous configurations.
    Type: Grant
    Filed: December 16, 2020
    Date of Patent: October 31, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Andrew J. Garner, IV, Chris Theodore Kalaboukis, Rameshchandra Bhaskar Ketharaju, Joon Maeng, Ramanathan Ramanathan, Abhijit Rao, Andres J. Saenz
  • Patent number: 11790371
    Abstract: A method includes receiving a travel itinerary including a destination and a time period associated with a user from a third-party computing system via an application programming interface. The method also includes associating the travel itinerary with a financial account having a payment device and generating a dynamic travel profile based on the travel itinerary. The method also includes receiving an authorization request for a transaction initiated by the payment device and involving the financial account. The authorization request includes a transaction location and a transaction date. The method also includes analyzing a context of the authorization request including the dynamic travel profile and a time history of geolocations of the payment device. The method also includes declining the authorization request based on at least one of the transaction location not corresponding to the destination and the transaction date not corresponding to the time period.
    Type: Grant
    Filed: July 12, 2021
    Date of Patent: October 17, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ramanathan Ramanathan, Andrew J. Garner, IV
  • Publication number: 20230325834
    Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems and methods of funds transfer authentication. The authentication can include receiving a transfer request to transfer funds from a payer to a payee, the transfer request identifies the payer, the payee, and an amount to transfer. Customer information associated respectively with the payer and the payee is identified. The payer and the payee are authenticated. A communication session is opened between the payer and payee. A time-limited payee OTP is generated and sent to the payee. The payee OTP is received within a first time limit. The funds are transferred from the payer to the payee based on receiving a matching payee OTP.
    Type: Application
    Filed: June 2, 2023
    Publication date: October 12, 2023
    Inventors: Mohammed Arif, Sajeev Philip, Shanmukeswara Rao Donkada, Ramanathan Ramanathan, Jayasree Iyer, Mathewbabu Edappilly Antony, Rameshchandra Bhaskar Ketharaju, Amit Tripathi, Arun Raj, Poornima Mahabeleshwarappa
  • Patent number: 11784983
    Abstract: Systems and methods provide for a solution for encryption by dynamically opening multiple channels between the client and the server, where the channels include both secured (e.g., SSL/TLS and etc.) channels and non-secured channels. Non-sensitive information can be over non-secured channels, and sensitive information can be sent via the secured channels. The system can recognize whether the information is sensitive or not via the use of tags on a page or frame that delineate which information is sensitive. For instance, on a form, tags can mark off the areas of the form that may contain sensitive information, such as social security numbers, names, addresses, financial information, and other private information. All the data within the tags can be considered sensitive and so be communicated to the server via a secure channel while other data can be transmitted through unsecured channels.
    Type: Grant
    Filed: February 22, 2021
    Date of Patent: October 10, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Santosh Nichani, Ramanathan Ramanathan, Srinivas Vengala, Sri Rajesh Rayudu, Rameshchandra Bhaskar Ketharaju, Shanmukeswara Rao Donkada
  • Publication number: 20230316260
    Abstract: The innovation discloses systems, methods and computer program products that reduce complexity and associated measures that are taken to ensure trust in secured transactions as necessitated by requirements present only in an ecommerce environment that do not have a parallel with traditional bricks and mortar commercial transactions. The innovation enables a multitude of mobile wallet applications to engage and obtain services from ecommerce applications wherein backend processing by a mobile wallet server obtains and delivers funds to ecommerce applications without sharing a subset of sensitive data, associated with a mobile wallet application user for the secured transactions. The innovation further provides for a wallet network to be initiated and engaged in which the secured transactions can take place, adopting and adapting social network application connectivity.
    Type: Application
    Filed: June 8, 2023
    Publication date: October 5, 2023
    Inventors: Sudheendranath R. Bhatt, Ramanathan Ramanathan, Sai Krishna Madhavi Chitta, Rahul N. Jain, Pradeep R. Kumar, Rameshchandra Bhaskar Ketharaju, Mushnuri Veera Venkata Kiran Kumar
  • Publication number: 20230319149
    Abstract: Embodiments of the present disclosure provide for improvements in managing connection channels for multiple associated users. As connection channel changes occur for one or more users, various connection channels are updated such that appropriate functionality is accessible as determined based on aspects of the connection channel change.
    Type: Application
    Filed: June 7, 2023
    Publication date: October 5, 2023
    Inventors: Ramanathan Ramanathan, Chris Theodore Kalaboukis, Andrew J. Garner, IV, Abhijit Rao, Joon Maeng, Andres J. Saenz, Rameshchandra Bhaskar Ketharaju
  • Patent number: 11776004
    Abstract: Systems, methods, and apparatuses for facilitating rewards are described herein. The system includes internet of things (IoT) devices associated with each of a plurality of users. A reward computing system includes input/output (I/O) devices configured to receive sensor data associated with an environment. The reward computing system is configured to generate a location data and/or an entity positioning data set associated with at least one of the plurality of users and based on the sensor data. The computing system is also configured to determine a behavior of each of the plurality of users. The reward computing system is also configured to generate a plurality of reward tokens and associate the reward tokens with one or more of the plurality of users and based on at least one of the location data set, the entity positioning data set and the behavior of the plurality of users.
    Type: Grant
    Filed: January 12, 2021
    Date of Patent: October 3, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Andrew J. Garner, IV, Chris Theodore Kalaboukis, Rameshchandra Bhaskar Ketharaju, Joon Maeng, Andres J. Saenz, Ramanathan Ramanathan, Abhijit Rao
  • Patent number: 11775672
    Abstract: The innovation discloses systems, methods and computer program products that reduce complexity and associated measures that are taken to ensure trust in secured transactions as necessitated by requirements present only in an ecommerce environment that do not have a parallel with traditional bricks and mortar commercial transactions. The innovation enables a multitude of mobile wallet applications to engage and obtain services from ecommerce applications wherein backend processing by a mobile wallet server obtains and delivers funds to ecommerce applications without sharing a subset of sensitive data, associated with a mobile wallet application user for the secured transactions.
    Type: Grant
    Filed: December 4, 2017
    Date of Patent: October 3, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Sudheendranath R. Bhatt, Ramanathan Ramanathan, Rahul N. Jain, Pradeep R. Kumar, Rameshchandra Bhaskar Ketharaju, Sai Krishna Madavi Chitta
  • Patent number: 11763038
    Abstract: Systems and methods may generally be used to securely store an executable file or to compile a securely stored executable file. An example method may include receiving an executable file for long-term storage, segmenting the executable file into a plurality of file segments, encrypting a file segment of the plurality of file segments, storing the plurality of file segments, and retrieving the file segment based on a segment identity for the file segment. The file segment may be output, for example to a requesting device.
    Type: Grant
    Filed: April 24, 2020
    Date of Patent: September 19, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Chris Theodore Kalaboukis, Joon Maeng, Ramanathan Ramanathan, Abhijit Rao, Abhijit Shetti
  • Patent number: 11756116
    Abstract: A computer system for facilitating peer-to-peer anonymous lending between members of a business syndicate is disclosed. The system is structured to generate, by a disaster funding modeler circuit, based on disaster and economy data received from an external source, a projection of a need for a loan for a particular syndicate member located in a particular geographical area. The location of the syndicate member is determined based on member-provided information and/or based on global positioning system (GPS) information received from the member's computing device. This information is supplemented by additional information received from a municipality computer system (e.g., vehicle positioning information). The system is further structured to facilitate a peer-to-peer loan transaction.
    Type: Grant
    Filed: January 12, 2021
    Date of Patent: September 12, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Andrew J. Garner, IV, Chris Theodore Kalaboukis, Rameshchandra Bhaskar Ketharaju, Joon Maeng, Ramanathan Ramanathan, Abhijit Rao, Andres J. Saenz
  • Patent number: 11748743
    Abstract: The innovation discloses systems, methods and computer program products that reduce complexity and associated measures that are taken to ensure trust in secured transactions as necessitated by requirements present only in an ecommerce environment that do not have a parallel with traditional bricks and mortar commercial transactions. The innovation enables a multitude of mobile wallet applications to engage and obtain services from ecommerce applications wherein backend processing by a mobile wallet server obtains and delivers funds to ecommerce applications without sharing a subset of sensitive data, associated with a mobile wallet application user for the secured transactions. The innovation further provides for a wallet network to be initiated and engaged in which the secured transactions can take place, adopting and adapting social network application connectivity.
    Type: Grant
    Filed: December 4, 2017
    Date of Patent: September 5, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Sudheendranath R. Bhatt, Ramanathan Ramanathan, Sai Krishna Madhavi Chitta, Rahul N. Jain, Pradeep R. Kumar, Rameshchandra Bhaskar Ketharaju, Mushnuri Veera Venkata Kiran Kumar
  • Publication number: 20230274019
    Abstract: A method may include, receiving, at a server device and from a requesting computing device associated with a requesting user, a request for a data item. The data item configured may be configured as a data structure and include an encrypted data payload; metadata identifying a source of the payload and when the data payload was captured; and a token identifying an owner of the data item and access rights to the data item. The method may include parsing he token to identify the owner of the data item; transmitting the request for the data item to a computing device associated with the owner; receiving a response from the computing device. The response may indicate the requesting user may access the data item, and in response, transmit a decryption key to the requesting computing device for the encrypted data payload. The method may include updating the token.
    Type: Application
    Filed: May 5, 2023
    Publication date: August 31, 2023
    Inventors: Darius A. Miranda, Rajiv Ranjan, Uma Meyyappan, Chris Theodore Kalaboukis, Joon Maeng, Ramanathan Ramanathan, Abhijit Rao, Abhijit Shetti, Rameshchandra Bhaskar Ketharaju, Chandramouli Subramanian
  • Patent number: 11734656
    Abstract: A distributed device rating system includes a device that is configured to send, to a central authority system, a query to identify at least one other device with which to perform a transaction, where the query specifies one or more criteria associated with the transaction, receive, from the central authority system, an identification of one or more candidate devices with which to perform the transaction, receive rating information associated with the one or more candidate devices, where the rating information identifies at least one characteristic of services previously performed by the one or more candidate devices, determine whether the rating information associated with at least one candidate device of the one or more candidate devices satisfies a rating threshold, and, responsive to determining that the rating information satisfies the rating threshold, initiate, with the at least one candidate device, performance of the transaction.
    Type: Grant
    Filed: December 20, 2019
    Date of Patent: August 22, 2023
    Assignee: Wells Fargo Bank N.A.
    Inventors: Chris Theodore Kalaboukis, Rameshchandra Bhaskar Ketharaju, Joon Maeng, Ramanathan Ramanathan, Abhijit Rao, Andres J. Saenz, Makarand Shivadevuni, Joel Eric Boeder
  • Publication number: 20230259921
    Abstract: Systems and methods may generally include sending an executable application, which when executed, automatically causes a monetary transfer. An example method may include performing, at a first user device, a handshake with a second user device, receiving, during the handshake, an operating capability of the second user device, and configuring, based on the operating capability of the second user device, an executable application, which when executed, automatically causes a monetary transfer to occur. The configured executable application may be sent to the second user device for execution.
    Type: Application
    Filed: April 20, 2023
    Publication date: August 17, 2023
    Inventors: Chris Theodore Kalaboukis, Joon Maeng, Ramanathan Ramanathan, Abhijit Rao, Abhijit Shetti
  • Patent number: 11727829
    Abstract: Systems, apparatuses, methods, and computer program products are disclosed for post-quantum cryptography (PQC). An example method includes receiving data, a set of data attributes about the data, and a risk profile data structure indicative of a vulnerability of the data in a PQC data environment. The example method further includes retrieving PQC cryptographic performance information associated with a set of PQC cryptographic techniques. The PQC cryptographic performance information may comprise a set of PQC cryptographic performance attributes for a plurality of PQC cryptographic techniques in the set of PQC cryptographic techniques. The example method further includes selecting a PQC encryption algorithm for encrypting the data based on the set of data attributes, the risk profile data structure, the PQC cryptographic performance information, and a PQC optimization machine learning model. Subsequently, the example method includes encrypting the data based on the selected PQC encryption algorithm.
    Type: Grant
    Filed: March 29, 2022
    Date of Patent: August 15, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Pierre Arbajian, Adam Sanders, Andrew J. Garner, Michael Erik Meinholz, Ramesh Yarlagadda, Ramanathan Ramanathan, Abhijit Rao, Bradford A. Shea