Patents Assigned to Truist Bank
  • Publication number: 20250048093
    Abstract: A terminal handler of a computing environment can provide remote access to Internet of Things (IoT) service devices positioned in a location associated with a service provider to facilitate secure transactions. The terminal handler can control a particular IoT service device by performing operations. The operations can include receiving a request to perform a function of the particular IoT service device. The request can include authentication credentials for a user account. The operations can include authenticating a user of a mobile device based on the authentication credentials. The operations can include authenticating the mobile device based on a distance between a location of the mobile device and the location associated with the service provider being less than a threshold distance. The operations can include transmitting an application programming interface (API) call to the IoT service device to cause the IoT service device to perform the function.
    Type: Application
    Filed: August 3, 2023
    Publication date: February 6, 2025
    Applicant: Truist Bank
    Inventors: Sudhakar Swaminathan, Muthu Gopalakrishnan, Ryan Loesch
  • Publication number: 20250045718
    Abstract: A computer-implemented method includes generating an interactive channel by a first party to provide a plurality of guided options to a second party. Additionally, the method includes receiving a request, via the interactive channel, from the second party and determining an intent of the request from the second party by a machine-learning algorithm. Further, the method includes generating an insight based on the determined intent of the request and a user profile of the second party and transmitting the insight, via the interactive channel, to the second party.
    Type: Application
    Filed: October 21, 2024
    Publication date: February 6, 2025
    Applicant: Truist Bank
    Inventor: Alex Heath Misiaszek
  • Publication number: 20250045272
    Abstract: A real-time transaction location system for quickly and conveniently locating an electronic transaction within a transaction processing system in real time. The real-time transaction location system includes a transaction location tool that is communicatively coupled to the transaction processing system. The transaction location tool can assign a unique search identifier to an electronic transaction received by the transaction processing system based on a received transaction identifier and an application identifier that identifies a processing application of the transaction processing system that is selected based on the format of an electronic message conveying the electronic transaction. The transaction location tool may include a user interface that facilitates real-time location of an electronic transaction within the transaction processing system using the unique search identifier.
    Type: Application
    Filed: June 28, 2024
    Publication date: February 6, 2025
    Applicant: Truist Bank
    Inventors: Kendra Henry, Luana Peterman
  • Publication number: 20250045755
    Abstract: A system can be provided that can initiate a step-up authentication protocol to facilitate secure transactions. For example, the system can include an Internet of Things (IoT) service device. The system can also include a computing environment, which can receive, from a mobile device, a request to perform a function of the IoT service device. The request can include first authentication credentials. The computing environment can further determine that the request satisfies requirements for the step-up authentication protocol and can initiate the step-up authentication protocol by transmitting an authentication request to the mobile device. As a result, the computing environment can receive the second authentication credentials and can authenticate a user of the mobile device based on the first and second authentication credentials. Additionally, the computing environment can transmit an application programming interface (API) call to the IoT service device to cause the IoT service to perform the function.
    Type: Application
    Filed: August 1, 2023
    Publication date: February 6, 2025
    Applicant: Truist Bank
    Inventors: Sudhakar Swaminathan, Muthu Gopalakrishnan, Ryan Loesch
  • Publication number: 20250045051
    Abstract: A supplemental computing system can provide card services while saving processing power of a data center for other tasks. For example, the supplemental computing system described herein can include a processor and a memory that includes instructions that are executable by the processor to perform operations. The operations can include receiving a first subset of card requests. The operations can further include performing at least one servicing task to a card request resulting in an altered card request. Additionally, the operations can include selecting, for each altered card request in the first subset, a secondary card processor from at least one secondary card processor. The operations can also include transforming the altered card request into a secondary card processor specific card request suitable for the selected secondary card processor. The operations can include submitting the secondary card processor specific card request to the selected secondary card processor.
    Type: Application
    Filed: October 17, 2024
    Publication date: February 6, 2025
    Applicant: Truist Bank
    Inventors: Naga Mrudula Kalyani Chitturi, Glenn S. Bruce, Manikandan Dhanabalan, Gopinath Rajagopal, Harish Dindi, Vijay Srinivasan, Jay Poole
  • Publication number: 20250045842
    Abstract: A system can include a first financial account data system that may include first account data. The first financial account data system can perform a function according to a first process using the first account data. The system can include a second financial account data system that can include second account data that is unintegrated with the first account data. The second financial account data system can perform a function according to a second process, which can be different than the first process, using the second account data. The system can include a server with an application programming interface. The server can determine a data system among the first and second financial account data systems with which to execute a requested function received via a common user interface. The server can execute the requested function. The server can provide a result of the execution via the common user interface.
    Type: Application
    Filed: October 18, 2024
    Publication date: February 6, 2025
    Applicant: Truist Bank
    Inventors: Jason Pedone, Sudhakar Swaminathan, Raghavendra P. Narasimhan
  • Patent number: 12216792
    Abstract: Systems, apparatuses, and methods for managing privacy of data are provided. The method includes providing at least one database containing user data, at least one processor in communication with the at least one database, a memory device including readable instructions, and at least one user device in communication with the at least one processor via a network connection; receiving at least one preference related to the user data; storing the at least one preference in the at least one database; and using the at least one preference to selectively control at least one non-verbal interaction with the at least one user device.
    Type: Grant
    Filed: September 29, 2022
    Date of Patent: February 4, 2025
    Assignee: Truist Bank
    Inventors: Chris McClennen, Josephine Middleton-Saulny, Jennifer Lenette Gray, Joseph Matthew Law, Giridhar Polur, Seshadri Chintalapati
  • Patent number: 12218929
    Abstract: A system can receive a request from a user device to disable a password-based mode of authentication associated with a user account. The user account can have a password usable for accessing account data associated with the user account and account functions associated with the user account. The system can receive verification from the user device for the request. The system can disable the password-based mode of authentication associated with the user account. The system can enable a password-less mode of authentication associated with the user account. The password-less mode of authentication can enable the user device to access account data associated with the user account and account functions associated with the user account without requiring the user to enter the password.
    Type: Grant
    Filed: June 17, 2022
    Date of Patent: February 4, 2025
    Assignee: Truist Bank
    Inventors: Sudhakar Swaminathan, Madhusudan Panda
  • Publication number: 20250039115
    Abstract: A system for improving distributed network data flow efficiency by using a machine learning model to engage a reduced set of unknown objects is disclosed. The system includes at least one processor, a communication interface communicatively coupled to the at least one processor, and a memory device storing executable code that, when executed causes the at least one processor to receive interaction data corresponding to interactions between known objects and unknown objects, develop an interaction map, develop a profile for each unknown object, process each unknown object using a machine learning algorithm to generate a reduced set of unknown objects most likely to reciprocate and identify properties of each unknown object, and trigger a communication to each of the reduced set of unknown objects.
    Type: Application
    Filed: October 15, 2024
    Publication date: January 30, 2025
    Applicant: Truist Bank
    Inventors: Sudeshna Banerjee, Paul Gerard Mistor
  • Publication number: 20250028613
    Abstract: A system can receive training data that includes relationships between characteristics of failed requests and computing services at which the failed requests failed. The system can then train a machine-learning model using the training data to learn relationships between the characteristics of the failed requests and the computing services at which the failed requests failed. Thereafter, the system can receive a request and provide a characteristic of the pending request as input to the trained machine-learning model, which can generate a failure prediction based on the characteristic of the pending request. In response to the failure prediction indicating that the pending request is likely to fail, the system can determine an intervention for the pending request based on the computing service at which the pending request is predicted to fail and execute the intervention.
    Type: Application
    Filed: July 19, 2023
    Publication date: January 23, 2025
    Applicant: Truist Bank
    Inventor: Sunitha Sounderrajan
  • Patent number: 12205390
    Abstract: A system for identifying handwritten characters on an image using a classification model that employs a neural network. The system includes a computer having a processor and a memory device that stores data and executable code that, when executed, causes the processor to read and convert typed text on the image to machine encoded text to identify locations of the typed text on the image; identify a location on the image that includes handwritten text based on the location of predetermined typed text on the image; identify clusters of non-white pixels in the image at the location having the handwritten text, where constraints are employed to refine and limit the clusters; generate an individual and separate cluster image for each identified cluster; and classify each cluster image using machine learning and at least one neural network to determine the likelihood that the cluster is a certain character.
    Type: Grant
    Filed: May 2, 2022
    Date of Patent: January 21, 2025
    Assignee: TRUIST BANK
    Inventor: Raphael Fitzgerald
  • Patent number: 12206499
    Abstract: A computer-implemented method includes receiving data packets that each encode a data transmission. The data packets include real-time data packets and non-real-time data packets. The method further includes comparing at least a portion of each of the data packets with a characterization sequence, where the real-time data packets are identified based on the portion of the real-time data packets matching the characterization sequence. The non-real-time data packets are identified based on the portion of the real-time data packets not matching the characterization sequence. The method also includes generating a real-time sequence and a non-real-time sequence of data packets. Furthermore, the method includes providing the real-time sequence to a communication interface to transmit the real-time sequence to a real-time processing system. Moreover, the method includes providing the non-real-time sequence to the communication interface to transmit the non-real-time sequence to a non-real-time processing system.
    Type: Grant
    Filed: December 13, 2022
    Date of Patent: January 21, 2025
    Assignee: Truist Bank
    Inventors: Tekchand Prasad, Suresh Edupuganti, Sanjeev Kumar Jha
  • Patent number: 12206750
    Abstract: An interaction-event routing system can automatically select an optimal interaction-event rail (IER) to process an interaction-event request. For example, the interaction-event routing system can include a processor and a memory that includes instructions executable by the processor to perform operations. The operations can include receiving a request to process an interaction event from an application programming interface. The request can include at least one parameter. The operations can further include automatically selecting, based on the at least one parameter, an IER from among a plurality of IERs to process the interaction event. The plurality of IERs can be configured to digitally transfer value between accounts using different protocols. Additionally, the operations can include transforming the request into a rail specific request suitable for the selected IER. The operations can include submitting the rail specific request to the selected IER.
    Type: Grant
    Filed: March 23, 2023
    Date of Patent: January 21, 2025
    Assignee: Truist Bank
    Inventor: Nagaraja Hebbar
  • Patent number: 12205089
    Abstract: A system and method for determining how a funds transfer or payment will be made based on user preferences and parameters in a wide area network application. The system includes a back-end server operating the network application and having a processor for processing data and information, a communications interface communicatively coupled to the processor, and a memory device storing data and executable code. When the code is executed, the processor can provide a number of parameters to be selected by the user that are necessary to perform the payment or funds transfer, where the payment or funds transfer can be performed by more than one technique, determine which of the techniques the payment or funds transfer will be performed by based on the parameters that the user selects without the user determining that technique, and cause the payment or funds transfer to be performed by the determined technique.
    Type: Grant
    Filed: January 31, 2023
    Date of Patent: January 21, 2025
    Assignee: TRUIST BANK
    Inventor: Barath Jayaraman
  • Publication number: 20250021359
    Abstract: A system is disclosed for dynamically assigning a predetermined user experience displayed in a graphical user interface based on one or more parameters associated with user login information that includes identifying information associated with a user and based on the type of interaction a user has requested to initiate. The system receives the user login information and automatically determines whether to display a first format or a second format in a first window within the graphical user interface based on the identifying information associated with the user. While the first window is displaying either the first format or the second format, the system may receive a request to initiate an interaction. Based on determining whether the interaction is a first type or a second type, the system automatically displays a second window in either the first format or the second format based on the type of interaction requested.
    Type: Application
    Filed: September 27, 2024
    Publication date: January 16, 2025
    Applicant: Truist Bank
    Inventor: Prasad Prabhakarrao Jahagirdar
  • Publication number: 20250021975
    Abstract: A non-transitory computer-readable medium can include instructions that are executable by a processing device for causing the processing device to perform operations. The operations can include receiving, by a first processing network, transaction information associated with one or more transactions of a first type from a transaction medium system, where the transaction information can be obtained by the transaction medium system from an acquirer at a transaction facilitator. Additionally, the operations can include determining that a transaction medium associated with the one or more transactions of the first type has migrated from the first processing network to a second processing network. The transaction information of the first type can be transferred by the first processing network to a second transaction system in the second processing network. The second transaction system can complete the one or more transactions for the first type.
    Type: Application
    Filed: September 30, 2024
    Publication date: January 16, 2025
    Applicant: Truist Bank
    Inventors: Manikandan Dhanabalan, Raghavendra P. Narasimhan, Murali Sethuraman
  • Publication number: 20250023834
    Abstract: An electronic messaging system testing tool that can, using reduced memory and processor resources, communicate with an electronic messaging system over a network, receive from a database, a file including information in a non-standardized format, about multiple electronic transactions, convert the non-standardized electronic transaction information into a standardized format, and create a bulk message file containing a multitude of standardized multi-variable electronic messages, where each electronic message corresponds to an electronic transaction represented in the file received from the database. The electronic messaging system testing tool can also transmit the bulk message file to the electronic messaging system, and initiate an attempted processing of the electronic messages in the bulk message file by the electronic messaging system, to test the functionality of the electronic messaging system.
    Type: Application
    Filed: September 25, 2024
    Publication date: January 16, 2025
    Applicant: Truist Bank
    Inventors: Luana Peterman, Kendra Henry
  • Publication number: 20250022070
    Abstract: A system can include a first financial account data system that may include first account data. The first financial account data system can perform a function according to a first process using the first account data. The system can include a second financial account data system that can include second account data that is unintegrated with the first account data. The second financial account data system can perform a function according to a second process, which can be different than the first process, using the second account data. The system can include a server with an application programming interface. The server can determine a data system among the first and second financial account data systems with which to execute a requested function received via a common user interface. The server can execute the requested function. The server can provide a result of the execution via the common user interface.
    Type: Application
    Filed: September 27, 2024
    Publication date: January 16, 2025
    Applicant: Truist Bank
    Inventors: Jason Pedone, Sudhakar Swaminathan, Raghavendra P. Narasimhan
  • Publication number: 20250022021
    Abstract: A computing system may include a network connecting ally computers, a server, and an enterprise computer. The ally computers may be configured to send and to receive a patron endorsement from one line to another line. The server may be configured to index the patron endorsement into an endorsement data set by a unique patron number associated with a patron name, a sending line, a receiving line, and a patron needs met indication. The server may transform transform an enterprise patron needs met indication based on both sending line and receiving line as indexed in the first endorsement data set. The graphical user interface may depict first and second graphical user interfaces containing data fields populatable with the sending/receiving line and a number of endorsements, the patron needs met indication, and a conversion rate. A third graphical user interface may include data fields populatable with the enterprise patrons needs met.
    Type: Application
    Filed: September 27, 2024
    Publication date: January 16, 2025
    Applicant: Truist Bank
    Inventor: Lawrence Otis Vickers
  • Publication number: 20250021986
    Abstract: A system can be provided that can enable contactless access to service devices to facilitate secure transactions. For example, the system can include Internet of Things (IoT) service devices associated with a service provider. The system can also include a computing environment, which may receive an access request from a mobile device. The access request can be transmitted in response to a user of the mobile device performing a contactless authentication process with an IoT service device. The computing environment can then identify the IoT service device and can identify a user account associated with the mobile device and with the service provider. The computing environment can further provide access for the mobile device to functions of the IoT service device via a software application associated with the service provider. The functions can be used to facilitate secure transactions between the IoT service device and the user account.
    Type: Application
    Filed: July 12, 2023
    Publication date: January 16, 2025
    Applicant: Truist Bank
    Inventors: Sudhakar Swaminathan, Muthu Gopalakrishnan, Ryan Loesch