Patents by Inventor David Joa

David Joa 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: 10049155
    Abstract: Systems and methods are provided for transforming historical data collected in response to one or more triggering events, in order to classify textual values. Embodiments access a plurality of textual values from historical transaction data; identify one or more distinct patterns within the plurality of textual values; group the textual values based on the one or more distinct patterns, thereby forming one or more clusters; apply a similarity gauge to the textual values of each of the clusters to determine similarity or dissimilarity among the textual values of each cluster; and filter the textual values of each cluster to determine which textual values belong in each cluster, wherein the textual values that belong are cluster values. Some embodiments also remove undesired characters from the textual values, and in some cases identifying the distinct patterns includes comparing pronunciations and/or phonetics of the textual values.
    Type: Grant
    Filed: January 20, 2016
    Date of Patent: August 14, 2018
    Assignee: Bank of America Corporation
    Inventors: Raghuram Neela, Seyamak Amin, David Joa, Samir B. Pawar, Krishna Reddy Mandala, Santosh Siva Kumar Maddila, Santosh Kumar Maradla
  • Publication number: 20170345093
    Abstract: Systems and methods are provided for transforming historical data collected in response to one or more triggering events, in order to analyze resource utilization, inflow and outflow. Embodiments access inflow and outflow information corresponding to a primary node from historical data; analyze the inflow and outflow information corresponding to the primary node in order to identify one or more channels of flow out of a plurality of channels of flow, each channel connecting the primary node and a secondary node, the one or more channels of flow identified when they exhibit one or more predetermined characteristics; determine that the one or more channels of flow, based on the exhibited predetermined characteristics should be categorized into one or more categories out of a plurality of categories.
    Type: Application
    Filed: May 24, 2016
    Publication date: November 30, 2017
    Inventors: David Joa, Raghuram Neela, Subhajit Mandal, Suresh Vemala, Aditya Panini Karri, Samir B. Pawar, Seyamak Amin
  • Patent number: 9741048
    Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.
    Type: Grant
    Filed: May 4, 2016
    Date of Patent: August 22, 2017
    Assignee: Bank of America Corporation
    Inventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili, David Joa
  • Publication number: 20170206272
    Abstract: Systems and methods are provided for transforming historical data collected in response to one or more triggering events, in order to classify textual values. Embodiments access a plurality of textual values from historical transaction data; identify one or more distinct patterns within the plurality of textual values; group the textual values based on the one or more distinct patterns, thereby forming one or more clusters; apply a similarity gauge to the textual values of each of the clusters to determine similarity or dissimilarity among the textual values of each cluster; and filter the textual values of each cluster to determine which textual values belong in each cluster, wherein the textual values that belong are cluster values. Some embodiments also remove undesired characters from the textual values, and in some cases identifying the distinct patterns includes comparing pronunciations and/or phonetics of the textual values.
    Type: Application
    Filed: January 20, 2016
    Publication date: July 20, 2017
    Inventors: Raghuram Neela, Seyamak Amin, David Joa, Samir B. Pawar, Krishna Reddy Mandala, Santosh Siva Kumar Maddila, Santosh Kumar Maradla
  • Publication number: 20170178160
    Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.
    Type: Application
    Filed: March 1, 2017
    Publication date: June 22, 2017
    Inventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili, David Joa
  • Publication number: 20170178161
    Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.
    Type: Application
    Filed: March 1, 2017
    Publication date: June 22, 2017
    Inventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili, David Joa
  • Patent number: 9639897
    Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.
    Type: Grant
    Filed: May 4, 2016
    Date of Patent: May 2, 2017
    Assignee: Bank of America Corporation
    Inventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili, David Joa
  • Publication number: 20170011100
    Abstract: A computing platform may generate requests for log data stored on computing systems and may communicate the requests to the computing systems. The computing platform may receive the log data from the computing systems and may utilize the log data to generate records interrelating different data-access requests indicated by the log data. The computing platform may analyze the records to identify corresponding requests made by a user to multiple different computing systems and may determine an interrelationship between the corresponding requests. The computing platform may generate data comprising a graphical depiction of the multiple different computing systems and the interrelationship between the corresponding requests and may communicate the data to a computing device associated with at least one of the multiple different computing systems.
    Type: Application
    Filed: July 6, 2015
    Publication date: January 12, 2017
    Inventors: Ryan M. Greenway, Seyamak Amin, David Joa, Yanghong Shao, Tim Bendel, Jangaiah Kurva, Dilip Nair, Edward W. Carroll
  • Publication number: 20170011228
    Abstract: A computing platform may generate requests for log data stored on computing systems and may communicate the requests to the computing systems. The computing platform may receive the log data from the computing systems and may utilize the log data to generate records interrelating different data-access requests indicated by the log data. The computing platform may analyze the records to identify corresponding requests made by a user to multiple different computing systems and may determine an interrelationship between the corresponding requests. The computing platform may generate data indicating the multiple different computing systems and the interrelationship between the corresponding requests and may communicate the data to a computing device associated with at least one of the multiple different computing systems.
    Type: Application
    Filed: July 6, 2015
    Publication date: January 12, 2017
    Inventors: Ryan M. Greenway, Seyamak Amin, David Joa, Yanghong Shao, Tim Bendel, Jangaiah Kurva, Dilip Nair, Edward W. Carroll
  • Patent number: 9524397
    Abstract: A computing platform may generate requests for log data stored on computing systems and may communicate the requests to the computing systems. The computing platform may receive the log data from the computing systems and may utilize the log data to generate records interrelating different data-access requests indicated by the log data. The computing platform may analyze the records to identify corresponding requests made by a user to multiple different computing systems and may determine an interrelationship between the corresponding requests. The computing platform may generate data indicating the multiple different computing systems and the interrelationship between the corresponding requests and may communicate the data to a computing device associated with at least one of the multiple different computing systems.
    Type: Grant
    Filed: July 6, 2015
    Date of Patent: December 20, 2016
    Assignee: Bank of America Corporation
    Inventors: Ryan M. Greenway, Seyamak Amin, David Joa, Yanghong Shao, Tim Bendel, Jangaiah Kurva, Dilip Nair, Edward W. Carroll
  • Patent number: 9508057
    Abstract: A method of one embodiment facilitates the updating of account information. First account information associated with a payment account of a user is received by an interface, and the first account information is stored by a memory. Payee system information associated with a payee system, wherein the payee system stores one or more portions of the first account information, is also received by the interface and stored by the memory. A processor automatically determines that an update event has occurred, the update event associated with updated information comprising one or more updated values for one or more respective portions of the first account information, wherein at least a portion of the first account information stored on the payee system changes based on the update event. In response to automatically determining that the update event has occurred, the interface automatically communicates a payee update message comprising the updated account information.
    Type: Grant
    Filed: February 26, 2013
    Date of Patent: November 29, 2016
    Assignee: Bank of America Corporation
    Inventors: David Joa, Timothy J. Bendel
  • Publication number: 20160260114
    Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.
    Type: Application
    Filed: May 4, 2016
    Publication date: September 8, 2016
    Inventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili, David Joa
  • Publication number: 20160247234
    Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.
    Type: Application
    Filed: May 4, 2016
    Publication date: August 25, 2016
    Inventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili, David Joa
  • Publication number: 20160180454
    Abstract: In systems and methods, account data associated with one or more account of a first financial institution are received and the account data is stored in a storage device; triggers are identified based on the account data, where the triggers include one or more transactions; external account activity of one or more accounts associated with a second financial institution is determined based on the one or more transactions; and a product recommendation is provided to a user associated with one or more accounts of the first financial institution based on the identified external activity. The systems and methods further provide determining a shift in internal account usage of the one or more accounts associated with the first financial institution based on the one or more transactions.
    Type: Application
    Filed: February 25, 2016
    Publication date: June 23, 2016
    Inventors: Naveen G. Yeri, Timothy J. Bendel, David Joa, Vikas Mishra, Thayer S. Allison, JR., Deepak Verma, Yanghong Shao, Srihari Rao Gatpa, Li Wei, David Neil Joffe, Parul Bajaj
  • Publication number: 20160063520
    Abstract: A data analyzer associated with an entity determines patterns and/or sequences in user data. The analyzer may provide businesses with feedback on spatiotemporal patterns in user habits. In certain embodiments, the analyzer determines the frequency of a sequence of purchases made at a first entity immediately followed by purchases made at a second entity. In another embodiment, the analyzer determines trends in user purchases made during the weekday versus those that are made during the weekend. The results of the analysis may be used in a variety of ways, including, but not limited to merchant/consumer prospecting, and targeted promotions.
    Type: Application
    Filed: November 9, 2015
    Publication date: March 3, 2016
    Inventors: Debashis Ghosh, Sudeshna Banerjee, Shiba Madaan, Sreedevi Gummuluri, David Joa
  • Publication number: 20160048867
    Abstract: Systems and methods for a transmitting data to and receiving data from a repository are provided. For instance, presenting a transmission to a customer during a transaction at a system which may include an optimization computer, a repository database which may store one or more transmissions and information regarding a particular audience to which the respective transmissions should be presented and a computer system configured to allow transmissions to be uploaded to the repository database are provided. The transmission may be presented at a point of transaction wherein the transaction is being conducted and the transaction data from the transaction being conducted at the point of transaction may be determined at the point of transaction and may be transmitted to the optimization computer.
    Type: Application
    Filed: October 28, 2015
    Publication date: February 18, 2016
    Inventors: David Joa, Debashis Ghosh, Kurt D. Newman, Mark Krein, Timothy John Bendel
  • Publication number: 20160048562
    Abstract: Systems and methods for a transmitting data to and receiving data from a repository database are provided. For instance, an optimization computer which may include a processor and memory storing computer executable instructions that, when executed, cause the optimization computer to perform a method for selecting a transmission to be presented to a customer during a transaction by electronically receiving data relating to the identity of the customer conducting the transaction, electronically receiving data relating to one or more transmissions and determining the particular transmission to present to the customer during the transaction based on the data by comparing the data relating to the identity of the customer conducting the transaction with the data relating to one or more transmissions and selecting a transmission to be presented during the transaction based on the comparison are presented.
    Type: Application
    Filed: October 28, 2015
    Publication date: February 18, 2016
    Inventors: David Joa, Debashis Ghosh, Kurt D. Newman, Mark Krein, Timothy John Bendel
  • Patent number: 9196111
    Abstract: Systems and methods according to the present invention provide a more secure Automated Teller Machine (ATM) transaction by preventing observation of banking customers' Personal Identification Number (PIN). Such systems and methods make it difficult to obtain a customer's PIN by tracking the hand movement of a customer using an ATM. Inputs presented for a customer selection are preferably dynamically displayed in different locations preferably each time the customer is asked to enter a PIN. Dynamically changing the sequence of the display and/or location of the presented inputs reduces the possibility of mapping the hand movement of the customer to the positions of the inputs displayed for a customer selection. Inputs may also be presented at a very narrow viewing angle, thereby making observation of a PIN difficult. Hence, banking customers are preferably provided with a more robust and secured ATM transaction system.
    Type: Grant
    Filed: January 4, 2011
    Date of Patent: November 24, 2015
    Assignee: Bank of America Corporation
    Inventors: Kurt D. Newman, Timothy J. Bendel, Rustam N. Wadia, Debashis Ghosh, David Joa
  • Patent number: 9135419
    Abstract: Systems and methods for environmental adjustments using biometrics are described. A scanned biometric parameter of an individual may be received and a determination may be made as to whether the scanned biometric parameter of the individual matches a stored biometric parameter of a plurality of stored biometric parameters. Biometric parameters include retinal images, DNA, and voice samples. If a match exists, the individual may be identified based upon the stored biometric parameter. At least one adjustment to change on at least one device based upon the identified individual may be determined. The at least one device may be configured for modifying an environmental condition of the identified individual. At least one instruction to implement the determined at least one adjustment may be transmitted. The adjustment may be a physical adjustment to the device, such as the height level of a chair.
    Type: Grant
    Filed: February 1, 2010
    Date of Patent: September 15, 2015
    Assignee: Bank of America Corporation
    Inventors: Kurt D. Newman, David Joa, Debashis Ghosh, Timothy J. Bendel, Mark V. Krein
  • Publication number: 20150254660
    Abstract: Systems and methods for autonomous online payments to an individual are described. A request to generate an electronic payment user interface associated with an individual for a transaction to an account associated with an entity is received. One or more individual defined criteria associated with the electronic payment user interface for the transaction is received. An Internet accessible address to the electronic payment user interface is generated. A request input from a payer to access, via the Internet accessible address, the electronic payment user interface associated with the individual is received. An authorization input from the payer to make an electronic payment of monetary funds from an account of the payer to the account of the individual is received, and access by the individual to personally identifiable information of the payer regarding the transaction is prevented.
    Type: Application
    Filed: May 19, 2015
    Publication date: September 10, 2015
    Inventors: Thayer S. Allison, JR., Aaron H. Lai, Debashis Ghosh, David Joa