Patents by Inventor Apeksh M. Dave
Apeksh M. Dave 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: 11290454Abstract: Aspects of the disclosure relate to linking channel-specific systems with a user authentication hub. In some embodiments, a computing platform may receive, from a telephone agent support computer system associated with a telephone agent channel, an authentication request for a user account. The computing platform may generate a set of one or more authentication prompts based on a set of authentication rules defined for the telephone agent channel and may provide the set of one or more authentication prompts generated based on the set of authentication rules defined for the telephone agent channel. Subsequently, the computing platform may validate one or more responses to the set of one or more authentication prompts. Based on validating the one or more responses, the computing platform may provide user account information associated with the user account to the telephone agent support computer system associated with the telephone agent channel.Type: GrantFiled: April 17, 2020Date of Patent: March 29, 2022Assignee: Bank of America CorporationInventors: Mark A. Pender, Daniel L. Carpenter, Kapil Pruthi, Xianhong Zhang, Apeksh M. Dave, Elizabeth Votaw, Andrew T. Keys
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Patent number: 11257084Abstract: Aspects of the disclosure relate to linking channel-specific systems with a user authentication hub. In some embodiments, a computing platform may receive, from a mobile device, an authentication request for a user account and may generate one or more authentication prompts. Subsequently, the computing platform may provide the one or more authentication prompts and may validate responses to the authentication prompts. Based on validating the responses to the authentication prompts, the computing platform may generate one or more security questions based on historical information associated with the user account. Subsequently, the computing platform may provide the one or more security questions and may validate one or more responses to the one or more security questions. Based on validating the one or more responses to the one or more security questions, the computing platform may provide user account information associated with the user account to the mobile device.Type: GrantFiled: March 27, 2020Date of Patent: February 22, 2022Assignee: Bank of America CorporationInventors: Mark A. Pender, Daniel L. Carpenter, Kapil Pruthi, Xianhong Zhang, Apeksh M. Dave, Elizabeth Votaw, Andrew T. Keys
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Publication number: 20200244661Abstract: Aspects of the disclosure relate to linking channel-specific systems with a user authentication hub. In some embodiments, a computing platform may receive, from a telephone agent support computer system associated with a telephone agent channel, an authentication request for a user account. The computing platform may generate a set of one or more authentication prompts based on a set of authentication rules defined for the telephone agent channel and may provide the set of one or more authentication prompts generated based on the set of authentication rules defined for the telephone agent channel. Subsequently, the computing platform may validate one or more responses to the set of one or more authentication prompts. Based on validating the one or more responses, the computing platform may provide user account information associated with the user account to the telephone agent support computer system associated with the telephone agent channel.Type: ApplicationFiled: April 17, 2020Publication date: July 30, 2020Inventors: Mark A. Pender, Daniel L. Carpenter, Kapil Pruthi, Xianhong Zhang, Apeksh M. Dave, Elizabeth Votaw, Andrew T. Keys
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Publication number: 20200226603Abstract: Aspects of the disclosure relate to linking channel-specific systems with a user authentication hub. In some embodiments, a computing platform may receive, from a mobile device, an authentication request for a user account and may generate one or more authentication prompts. Subsequently, the computing platform may provide the one or more authentication prompts and may validate responses to the authentication prompts. Based on validating the responses to the authentication prompts, the computing platform may generate one or more security questions based on historical information associated with the user account. Subsequently, the computing platform may provide the one or more security questions and may validate one or more responses to the one or more security questions. Based on validating the one or more responses to the one or more security questions, the computing platform may provide user account information associated with the user account to the mobile device.Type: ApplicationFiled: March 27, 2020Publication date: July 16, 2020Inventors: Mark A. Pender, Daniel L. Carpenter, Kapil Pruthi, Xianhong Zhang, Apeksh M. Dave, Elizabeth Votaw, Andrew T. Keys
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Patent number: 10666654Abstract: Aspects of the disclosure relate to linking channel-specific systems with a user authentication hub. In some embodiments, a computing platform may receive, from a telephone agent support computer system associated with a telephone agent channel, an authentication request for a user account. The computing platform may generate a set of one or more authentication prompts based on a set of authentication rules defined for the telephone agent channel and may provide the set of one or more authentication prompts generated based on the set of authentication rules defined for the telephone agent channel. Subsequently, the computing platform may validate one or more responses to the set of one or more authentication prompts. Based on validating the one or more responses, the computing platform may provide user account information associated with the user account to the telephone agent support computer system associated with the telephone agent channel.Type: GrantFiled: May 15, 2016Date of Patent: May 26, 2020Assignee: Bank of America CorporationInventors: Mark A. Pender, Daniel L. Carpenter, Kapil Pruthi, Xianhong Zhang, Apeksh M. Dave, Elizabeth S. Votaw, Andrew T. Keys
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Patent number: 10643212Abstract: Aspects of the disclosure relate to linking channel-specific systems with a user authentication hub. In some embodiments, a computing platform may receive, from a mobile device, an authentication request for a user account and may generate one or more authentication prompts. Subsequently, the computing platform may provide the one or more authentication prompts and may validate responses to the authentication prompts. Based on validating the responses to the authentication prompts, the computing platform may generate one or more security questions based on historical information associated with the user account. Subsequently, the computing platform may provide the one or more security questions and may validate one or more responses to the one or more security questions. Based on validating the one or more responses to the one or more security questions, the computing platform may provide user account information associated with the user account to the mobile device.Type: GrantFiled: May 15, 2016Date of Patent: May 5, 2020Assignee: Bank of America CorporationInventors: Mark A. Pender, Daniel L. Carpenter, Kapil Pruthi, Xianhong Zhang, Apeksh M. Dave, Elizabeth S. Votaw, Andrew T. Keys
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Patent number: 10430578Abstract: A computer system receives an authentication request from a user device and determines a determined device identification from a set of received device attributes. When the device is properly authenticated, the computer system generates an authentication token that is signed by the determined device identification and returns the authentication token to the user device. When the computer system subsequently receives a service request with an authentication token and a plurality of device attributes for a protected resource from a user device, the computer system determines a derived device identification from some or all of the received device attributes. When a signed device identification of the authentication token and the derived device identification are equal, the apparatus continues processing the service request. Otherwise, the service request is rejected.Type: GrantFiled: November 2, 2017Date of Patent: October 1, 2019Assignee: Bank of America CorporationInventors: Xianhong Zhang, Andrew T. Keys, Kapil Pruthi, Daniel Lynn Carpenter, Mark A. Pender, Spencer Yezo, Apeksh M. Dave
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Selectively enabling and disabling biometric authentication based on mobile device state information
Patent number: 10182078Abstract: Methods, systems, and computer-readable media for selectively enabling and disabling biometric authentication are presented. In some embodiments, a computing platform may receive, from a device monitoring and management computer system, a device state indicator message comprising device state information associated with a mobile computing device. Subsequently, the computing platform may set a biometric authentication flag for the mobile computing device based on the device state indicator message received from the device monitoring and management computer system. Then, the computing platform may generate an authentication functionality message for the mobile computing device based on the biometric authentication flag set for the mobile computing device, and the authentication functionality message may be configured to selectively enable or disable one or more biometric authentication functions provided by the mobile computing device.Type: GrantFiled: February 27, 2018Date of Patent: January 15, 2019Assignee: Bank of America CorporationInventors: Xianhong Zhang, Wenhui Meng, Kalyan V. Pasumarthi, Elizabeth Votaw, Andrew T. Keys, Apeksh M. Dave -
Patent number: 10149160Abstract: Aspects of the disclosure relate to recognizing and authenticating mobile devices based on unique cross-channel bindings. In some embodiments, a computing platform may receive, from a telephone agent support computer system, call information associated with a telephone call. Subsequently, the computing platform may identify a source device that placed the telephone call, based on binding information maintained by the computing platform for the source device. Based on identifying the source device that placed the telephone call, the computing platform may load user information associated with a user account linked to the source device. Next, the computing platform may set one or more authentication flags for the user account based on the binding information. Then, the computing platform may send, to the telephone agent support computer system, the user information and authentication information based on the one or more authentication flags set for the user account linked to the source device.Type: GrantFiled: May 11, 2016Date of Patent: December 4, 2018Assignee: Bank of America CorporationInventors: Xianhong Zhang, Apeksh M. Dave, Elizabeth S. Votaw, Andrew T. Keys, Mark A. Pender
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Selectively Enabling and Disabling Biometric Authentication Based on Mobile Device State Information
Publication number: 20180191784Abstract: Methods, systems, and computer-readable media for selectively enabling and disabling biometric authentication are presented. In some embodiments, a computing platform may receive, from a device monitoring and management computer system, a device state indicator message comprising device state information associated with a mobile computing device. Subsequently, the computing platform may set a biometric authentication flag for the mobile computing device based on the device state indicator message received from the device monitoring and management computer system. Then, the computing platform may generate an authentication functionality message for the mobile computing device based on the biometric authentication flag set for the mobile computing device, and the authentication functionality message may be configured to selectively enable or disable one or more biometric authentication functions provided by the mobile computing device.Type: ApplicationFiled: February 27, 2018Publication date: July 5, 2018Inventors: Xianhong Zhang, Wenhui Meng, Kalyan V. Pasumarthi, Elizabeth Votaw, Andrew T. Keys, Apeksh M. Dave -
Publication number: 20180144118Abstract: A computer system receives an authentication request from a user device and determines a determined device identification from a set of received device attributes. When the device is properly authenticated, the computer system generates an authentication token that is signed by the determined device identification and returns the authentication token to the user device. When the computer system subsequently receives a service request with an authentication token and a plurality of device attributes for a protected resource from a user device, the computer system determines a derived device identification from some or all of the received device attributes. When a signed device identification of the authentication token and the derived device identification are equal, the apparatus continues processing the service request. Otherwise, the service request is rejected.Type: ApplicationFiled: November 2, 2017Publication date: May 24, 2018Inventors: Xianhong Zhang, Andrew T. Keys, Kapil Pruthi, Daniel Lynn Carpenter, Mark A. Pender, Spencer Yezo, Apeksh M. Dave
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Selectively enabling and disabling biometric authentication based on mobile device state information
Patent number: 9923930Abstract: Methods, systems, and computer-readable media for selectively enabling and disabling biometric authentication are presented. In some embodiments, a computing platform may receive, from a device monitoring and management computer system, a device state indicator message comprising device state information associated with a mobile computing device. Subsequently, the computing platform may set a biometric authentication flag for the mobile computing device based on the device state indicator message received from the device monitoring and management computer system. Then, the computing platform may generate an authentication functionality message for the mobile computing device based on the biometric authentication flag set for the mobile computing device, and the authentication functionality message may be configured to selectively enable or disable one or more biometric authentication functions provided by the mobile computing device.Type: GrantFiled: November 19, 2015Date of Patent: March 20, 2018Assignee: Bank of America CorporationInventors: Xianhong Zhang, Wenhui Meng, Kalyan V. Pasumarthi, Elizabeth S. Votaw, Andrew T. Keys, Apeksh M. Dave -
Patent number: 9836594Abstract: A computer system receives an authentication request from a user device and determines a determined device identification from a set of received device attributes. When the device is properly authenticated, the computer system generates an authentication token that is signed by the determined device identification and returns the authentication token to the user device. When the computer system subsequently receives a service request with an authentication token and a plurality of device attributes for a protected resource from a user device, the computer system determines a derived device identification from some or all of the received device attributes. When a signed device identification of the authentication token and the derived device identification are equal, the apparatus continues processing the service request. Otherwise, the service request is rejected.Type: GrantFiled: May 19, 2014Date of Patent: December 5, 2017Assignee: Bank of America CorporationInventors: Xianhong Zhang, Andrew T. Keys, Kapil Pruthi, Daniel Lynn Carpenter, Mark A. Pender, Spencer Yezo, Apeksh M. Dave
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Publication number: 20170331824Abstract: Aspects of the disclosure relate to linking channel-specific systems with a user authentication hub. In some embodiments, a computing platform may receive, from a telephone agent support computer system associated with a telephone agent channel, an authentication request for a user account. The computing platform may generate a set of one or more authentication prompts based on a set of authentication rules defined for the telephone agent channel and may provide the set of one or more authentication prompts generated based on the set of authentication rules defined for the telephone agent channel. Subsequently, the computing platform may validate one or more responses to the set of one or more authentication prompts. Based on validating the one or more responses, the computing platform may provide user account information associated with the user account to the telephone agent support computer system associated with the telephone agent channel.Type: ApplicationFiled: May 15, 2016Publication date: November 16, 2017Inventors: Mark A. Pender, Daniel L. Carpenter, Kapil Pruthi, Xianhong Zhang, Apeksh M. Dave, Elizabeth S. Votaw, Andrew T. Keys
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Publication number: 20170330191Abstract: Aspects of the disclosure relate to linking channel-specific systems with a user authentication hub. In some embodiments, a computing platform may receive, from a mobile device, an authentication request for a user account and may generate one or more authentication prompts. Subsequently, the computing platform may provide the one or more authentication prompts and may validate responses to the authentication prompts. Based on validating the responses to the authentication prompts, the computing platform may generate one or more security questions based on historical information associated with the user account. Subsequently, the computing platform may provide the one or more security questions and may validate one or more responses to the one or more security questions. Based on validating the one or more responses to the one or more security questions, the computing platform may provide user account information associated with the user account to the mobile device.Type: ApplicationFiled: May 15, 2016Publication date: November 16, 2017Inventors: Mark A. Pender, Daniel L. Carpenter, Kapil Pruthi, Xianhong Zhang, Apeksh M. Dave, Elizabeth S. Votaw, Andrew T. Keys
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Publication number: 20170332233Abstract: Aspects of the disclosure relate to recognizing and authenticating mobile devices based on unique cross-channel bindings. In some embodiments, a computing platform may receive, from a telephone agent support computer system, call information associated with a telephone call. Subsequently, the computing platform may identify a source device that placed the telephone call, based on binding information maintained by the computing platform for the source device. Based on identifying the source device that placed the telephone call, the computing platform may load user information associated with a user account linked to the source device. Next, the computing platform may set one or more authentication flags for the user account based on the binding information. Then, the computing platform may send, to the telephone agent support computer system, the user information and authentication information based on the one or more authentication flags set for the user account linked to the source device.Type: ApplicationFiled: May 11, 2016Publication date: November 16, 2017Inventors: Xianhong Zhang, Apeksh M. Dave, Elizabeth S. Votaw, Andrew T. Keys, Mark A. Pender
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Selectively Enabling and Disabling Biometric Authentication Based on Mobile Device State Information
Publication number: 20170149840Abstract: Methods, systems, and computer-readable media for selectively enabling and disabling biometric authentication are presented. In some embodiments, a computing platform may receive, from a device monitoring and management computer system, a device state indicator message comprising device state information associated with a mobile computing device. Subsequently, the computing platform may set a biometric authentication flag for the mobile computing device based on the device state indicator message received from the device monitoring and management computer system. Then, the computing platform may generate an authentication functionality message for the mobile computing device based on the biometric authentication flag set for the mobile computing device, and the authentication functionality message may be configured to selectively enable or disable one or more biometric authentication functions provided by the mobile computing device.Type: ApplicationFiled: November 19, 2015Publication date: May 25, 2017Inventors: Xianhong Zhang, Wenhui Meng, Kalyan V. Pasumarthi, Elizabeth S. Votaw, Andrew T. Keys, Apeksh M. Dave -
Patent number: 9633355Abstract: According to certain embodiments of the disclosure, a system receives a request from a user device to conduct an activity with an enterprise and determines an authentication level associated with the activity. The system receives information associated with the user from a plurality of disparate channels and calculates a risk score associated with the user based on the received information associated with the user. The system generates a token based on the authentication level and risk score and communicates the token to the user device.Type: GrantFiled: January 7, 2014Date of Patent: April 25, 2017Assignee: Bank of America CorporationInventors: Apeksh M. Dave, John F. Zemaitis, Kenneth B. Norris, Michael E. Toth
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Patent number: 9619643Abstract: Methods, systems, apparatuses, and computer-readable media for utilizing just-in-time polymorphic authentication techniques to secure information are presented. In one or more embodiments, a computing platform may receive, from a computing device, a request to access a user account. In response to receiving the request to access the user account, the computing platform may dynamically select, based on one or more polymorphic authentication factors, an authentication method for authenticating a user of the computing device, and the authentication method may be selected from a plurality of predefined authentication methods. Subsequently, the computing platform may generate one or more authentication prompts based on the selected authentication method. The computing platform then may provide the one or more authentication prompts to the user of the computing device.Type: GrantFiled: May 18, 2016Date of Patent: April 11, 2017Assignee: Bank of America CorporationInventors: Apeksh M. Dave, Vijayanand Jamma, Vivekanand Doriaraj
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Publication number: 20160259931Abstract: Methods, systems, apparatuses, and computer-readable media for utilizing just-in-time polymorphic authentication techniques to secure information are presented. In one or more embodiments, a computing platform may receive, from a computing device, a request to access a user account. In response to receiving the request to access the user account, the computing platform may dynamically select, based on one or more polymorphic authentication factors, an authentication method for authenticating a user of the computing device, and the authentication method may be selected from a plurality of predefined authentication methods. Subsequently, the computing platform may generate one or more authentication prompts based on the selected authentication method. The computing platform then may provide the one or more authentication prompts to the user of the computing device.Type: ApplicationFiled: May 18, 2016Publication date: September 8, 2016Inventors: Apeksh M. Dave, Vijayanand Jamma, Vivekanand Doriaraj