Patents by Inventor Adithya Gadwale
Adithya Gadwale 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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Publication number: 20240098141Abstract: Systems, computer program products, and methods are described herein for implementing dynamic multi-factor soft lock on user identifiers. The present invention is configured to receive, from a first user input device, a network registration request from a user to obtain authorization to execute resource transfers within a distributed network using a first user identifier; query, using an information retrieval engine, metadata associated with the user within the distributed network for traceable instances of digital activities of the user; determine one or more user identifiers based on at least the metadata associated with the user; execute, using an authentication subsystem, a soft lock on the one or more user identifiers; approve authorization for the user to execute the resource transfers within the distributed network using the first user identifier; and transmit control signals configured to cause the first user device to display the authorization.Type: ApplicationFiled: December 4, 2023Publication date: March 21, 2024Applicant: BANK OF AMERICA CORPORATIONInventors: Adithya Gadwale, Phanta Danielle Wynn
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Patent number: 11935036Abstract: Systems, as described herein, may use smart contracts and distributed ledgers in distributed networks to determine points earned by consumer and settle points for merchants. Distributed ledgers in the distributed network may be used to store transactions executed by merchant digital wallets and consumer digital wallet. Smart contracts in distributed networks may be used to maintain point balances associated with the consumer digital wallets and the merchant digital wallets of the consumer, determine points earned by consumer digital wallets, settle points for merchant digital wallets, and send messages to consumer digital wallets regarding expiring points. Systems, as described herein, may also send individualized recommendations of goods and services to the consumer digital wallets.Type: GrantFiled: October 8, 2019Date of Patent: March 19, 2024Assignee: Capital One Services, LLCInventors: Adithya Gadwale, Randolph Lillard
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Patent number: 11902366Abstract: Systems, computer program products, and methods are described herein for implementing dynamic multi-factor soft lock on user identifiers. The present invention is configured to receive, from a first user input device, a network registration request from a user to obtain authorization to execute resource transfers within a distributed network using a first user identifier; query, using an information retrieval engine, metadata associated with the user within the distributed network for traceable instances of digital activities of the user; determine one or more user identifiers based on at least the metadata associated with the user; execute, using an authentication subsystem, a soft lock on the one or more user identifiers; approve authorization for the user to execute the resource transfers within the distributed network using the first user identifier; and transmit control signals configured to cause the first user device to display the authorization.Type: GrantFiled: May 25, 2022Date of Patent: February 13, 2024Assignee: BANK OF AMERICA CORPORATIONInventors: Adithya Gadwale, Phanta Danielle Wynn
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Patent number: 11855982Abstract: A system and method are disclosed that leverage multi-factor authentication features of a service provider and intelligent call routing to increase security and efficiency at a customer call center. Pre-authentication of customer support requests reduces the potential for misappropriation of sensitive customer data during call handling. A contactless card uniquely associated with a client may provide a second factor of authentication to reduce the potential for malicious third-party impersonation of the client. Pre-authorized customer support calls are intelligently and efficiently routed in a manner that reduces the opportunity for malicious call interference and information theft.Type: GrantFiled: June 11, 2021Date of Patent: December 26, 2023Assignee: Capital One Services, LLCInventor: Adithya Gadwale
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Publication number: 20230388375Abstract: Systems, computer program products, and methods are described herein for implementing dynamic multi-factor soft lock on user identifiers. The present invention is configured to receive, from a first user input device, a network registration request from a user to obtain authorization to execute resource transfers within a distributed network using a first user identifier; query, using an information retrieval engine, metadata associated with the user within the distributed network for traceable instances of digital activities of the user; determine one or more user identifiers based on at least the metadata associated with the user; execute, using an authentication subsystem, a soft lock on the one or more user identifiers; approve authorization for the user to execute the resource transfers within the distributed network using the first user identifier; and transmit control signals configured to cause the first user device to display the authorization.Type: ApplicationFiled: May 25, 2022Publication date: November 30, 2023Applicant: BANK OF AMERICA CORPORATIONInventors: Adithya Gadwale, Phanta Danielle Wynn
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Patent number: 11792243Abstract: A system for conducting multi-session user interactions accesses a first interaction session between the user and a first entity, where the first interaction session is via a first communication channel. The system determines first context information associated with the first interaction session, where the first context information associated with the first interaction session comprises a summary associated with the first interaction session. The system generates a token identifier (ID) uniquely identifying the user and the first context information. The system associates the token ID to the user interaction information. The system accesses a second interaction session between the user and a second entity, wherein the second interaction session is via a second communication channel. The system authenticates the user based at least in part upon the token ID. The system communicates the first context information associated with the first interaction session to the second entity.Type: GrantFiled: January 19, 2022Date of Patent: October 17, 2023Assignee: Bank of America CorporationInventors: Stephen Thomas Shannon, Katherine Kei-Zen Dintenfass, Adithya Gadwale
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Publication number: 20230244859Abstract: An apparatus includes a memory and a processor. The memory stores an identification of information and a document associated with an external system. The processor receives information associated with a user, and uses the information to generate a file of a first type. The processor also receives a selection of an option to initiate automatic generation of a file of a second type by the external system. In response, the processor identifies, from the information and based on the identification of the information used by the external system, a subset of information associated with the user. The processor transmits the subset to the external system. The processor additionally presents the document to the user, determines that the user edited the document, and transmits the edited document to the external system. In response to receiving the subset and the edited document, the external system generates the file of the second type.Type: ApplicationFiled: February 2, 2022Publication date: August 3, 2023Inventors: Graham Marshall Wyllie, Adithya Gadwale, Katherine Kei-Zen Dintenfass, Stephen Thomas Shannon
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Publication number: 20230237572Abstract: A system comprises a processor configured to receive user criteria associated with an operation and to obtain a plurality of segment candidates from a plurality of sources, each source configured to provide a segment of the operation that corresponds to a respective segment candidate obtained from said source. The processor is configured to determine a plurality of operation structure candidates for the operation. Each operation structure candidate is determined based on aggregating a respective subset of the plurality of segment candidates. The processor is configured to determine a priority for each operation structure candidate based on prioritization rules stored in memory of the system and based on the user criteria. The processor is configured to communicate an output indicating one or more of the operation structure candidates for the operation. The output is based on the priority.Type: ApplicationFiled: January 26, 2022Publication date: July 27, 2023Inventors: Jayachandra Varma, Adithya Gadwale, Ganesh Bonda
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Publication number: 20230237198Abstract: An entity data record includes, for each of a plurality of entities, a plurality of attribute data entries. Each attribute data entry indicates a characteristic of the entity. For each entity of the plurality of entities, an authentication score is determined indicating an extent to which the characteristics indicated by the attribute data entries for the entity are authenticated. The authentication score is stored in memory for each entity in the entity data record. A device provides a request for information about a first entity of the plurality of entities. After receiving the request, one or more attribute entries associated with the first entity and a first authentication score of the first entity are provided to the device.Type: ApplicationFiled: January 24, 2022Publication date: July 27, 2023Inventors: Ganesh Bonda, Adithya Gadwale, Jayachandra Varma
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Publication number: 20230231894Abstract: A system for conducting multi-session user interactions accesses a first interaction session between the user and a first entity, where the first interaction session is via a first communication channel. The system determines first context information associated with the first interaction session, where the first context information associated with the first interaction session comprises a summary associated with the first interaction session. The system generates a token identifier (ID) uniquely identifying the user and the first context information. The system associates the token ID to the user interaction information. The system accesses a second interaction session between the user and a second entity, wherein the second interaction session is via a second communication channel. The system authenticates the user based at least in part upon the token ID. The system communicates the first context information associated with the first interaction session to the second entity.Type: ApplicationFiled: January 19, 2022Publication date: July 20, 2023Inventors: Stephen Thomas Shannon, Katherine Kei-Zen Dintenfass, Adithya Gadwale
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Publication number: 20230153779Abstract: Systems, computer program products, and methods are described herein for dynamic communication channel modelling using machine learning algorithms. The present invention is configured to detect a natural language input from a third party to a user; parse, using the communication channel modelling algorithm, the natural language input; determine an expression pattern associated with the natural language input; extract, from the expression pattern, information associated with the third party and information associated with the resource transfer; determine one or more alternate communication channels for the user to initiate the resource transfer to the third party; display the one or more alternate communication channels to the user; receive, via the user input device, a user selection of an alternate communication channels; and execute the resource transfer to the third party via the alternate communication channel selected by the user.Type: ApplicationFiled: November 12, 2021Publication date: May 18, 2023Applicant: BANK OF AMERICA CORPORATIONInventors: Shivanand Bharti, Adithya Gadwale
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Publication number: 20210306331Abstract: A system and method are disclosed that leverage multi-factor authentication features of a service provider and intelligent call routing to increase security and efficiency at a customer call center. Pre-authentication of customer support requests reduces the potential for misappropriation of sensitive customer data during call handling. A contactless card uniquely associated with a client may provide a second factor of authentication to reduce the potential for malicious third-party impersonation of the client. Pre-authorized customer support calls are intelligently and efficiently routed in a manner that reduces the opportunity for malicious call interference and information theft.Type: ApplicationFiled: June 11, 2021Publication date: September 30, 2021Applicant: Capital One Services, LLCInventor: Adithya GADWALE
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Patent number: 11063938Abstract: A system and method are disclosed that leverage multi-factor authentication features of a service provider and intelligent call routing to increase security and efficiency at a customer call center. Pre-authentication of customer support requests reduces the potential for misappropriation of sensitive customer data during call handling. A contactless card uniquely associated with a client may provide a second factor of authentication to reduce the potential for malicious third-party impersonation of the client. Pre-authorized customer support calls are intelligently and efficiently routed in a manner that reduces the opportunity for malicious call interference and information theft.Type: GrantFiled: April 8, 2020Date of Patent: July 13, 2021Assignee: Capital One Services, LLCInventor: Adithya Gadwale
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Publication number: 20210103921Abstract: Systems, as described herein, may use smart contracts and distributed ledgers in distributed networks to determine points earned by consumer and settle points for merchants. Distributed ledgers in the distributed network may be used to store transactions executed by merchant digital wallets and consumer digital wallet. Smart contracts in distributed networks may be used to maintain point balances associated with the consumer digital wallets and the merchant digital wallets of the consumer, determine points earned by consumer digital wallets, settle points for merchant digital wallets, and send messages to consumer digital wallets regarding expiring points. Systems, as described herein, may also send individualized recommendations of goods and services to the consumer digital wallets.Type: ApplicationFiled: October 8, 2019Publication date: April 8, 2021Inventors: Adithya Gadwale, Randolph Lillard
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Publication number: 20210084034Abstract: A system and method are disclosed that leverage multi-factor authentication features of a service provider and intelligent call routing to increase security and efficiency at a customer call center. Pre-authentication of customer support requests reduces the potential for misappropriation of sensitive customer data during call handling. A contactless card uniquely associated with a client may provide a second factor of authentication to reduce the potential for malicious third-party impersonation of the client. Pre-authorized customer support calls are intelligently and efficiently routed in a manner that reduces the opportunity for malicious call interference and information theft.Type: ApplicationFiled: April 8, 2020Publication date: March 18, 2021Applicant: Capital One Services, LLCInventor: Adithya GADWALE
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Patent number: 10659459Abstract: A system and method are disclosed that leverage multi-factor authentication features of a service provider and intelligent call routing to increase security and efficiency at a customer call center. Pre-authentication of customer support requests reduces the potential for misappropriation of sensitive customer data during call handling. A contactless card uniquely associated with a client may provide a second factor of authentication to reduce the potential for malicious third-party impersonation of the client. Pre-authorized customer support calls are intelligently and efficiently routed in a manner that reduces the opportunity for malicious call interference and information theft.Type: GrantFiled: September 13, 2019Date of Patent: May 19, 2020Assignee: Capital One Services, LLCInventor: Adithya Gadwale
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Patent number: 9519888Abstract: Email server side or client side components either remove email attachments from the relevant email, or identify the attachment while the email is being composed and makes the attachment available from a secure website or file hosting site. The recipient then receives instructions in the email and links to access the attachments rather than the attachments themselves. Email attachment size limitations are overcome for sender/recipient mail systems. Also, file type limitations related to email attachments are overcome, provides improved attachment security, and reduces email bandwidth costs.Type: GrantFiled: May 8, 2007Date of Patent: December 13, 2016Assignee: Telecommunication Systems, Inc.Inventor: Adithya Gadwale
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Publication number: 20080281924Abstract: Email server side or client side components either remove email attachments from the relevant email, or identify the attachment while the email is being composed and makes the attachment available from a secure website or file hosting site. The recipient then receives instructions in the email and links to access the attachments rather than the attachments themselves. Email attachment size limitations are overcome for sender/recipient mail systems. Also, file type limitations related to email attachments are overcome, provides improved attachment security, and reduces email bandwidth costs.Type: ApplicationFiled: May 8, 2007Publication date: November 13, 2008Inventor: Adithya Gadwale
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Publication number: 20070260730Abstract: Constant availability and/or presence information of a roaming Instant Messaging (IM) user is provided. The invention recognizes that IM users are not always sitting at their computer where their IM client application is installed. Detection of an unrelated short-range wireless communication device, e.g., a Bluetooth cell phone, or an RFID, carried on the body of the IM user, is accomplished by other, local or guest computers, and reported as presence changes for that particular IM user to an IM server, that logs that IM user's presence in a suitable IM user presence database. Thus, a status or presence change is automatically updated in an IM server or other relevant IM application when a roaming IM user is in a vicinity of a guest computer at a different location.Type: ApplicationFiled: May 8, 2007Publication date: November 8, 2007Inventor: Adithya Gadwale