Patents by Inventor Debashis Ghosh

Debashis Ghosh 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).

  • Publication number: 20250225494
    Abstract: A system to track to model asset states and access by utilizing non-fungible tokens (NFTs). The system includes a data processing system including memory and one or more processors to receive a stating request for an asset, obtain, based on a plurality of control structures, a plurality of NFTs, each of the plurality of NFTs including a link with a metadata object including metadata of a state of the asset, encapsulate the plurality of NFTs within a container, receive, from the remote device, a state request for an asset state corresponding to a first NFT, the state request including a security token, obtain, from the metadata of the first NFT, one or more recorded security tokens, compare the security token to the one or more security tokens, and, in response to the security token matching the one or more security tokens, transmit the first NFT to the remote device.
    Type: Application
    Filed: March 24, 2025
    Publication date: July 10, 2025
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Debashis Ghosh, Luiz Fernando Flor de Silva, Nathaniel C. Eutsler, Matthew Mullin Shepherd
  • Publication number: 20250203359
    Abstract: Systems, apparatuses, methods, and computer program products are disclosed for facilitating operations for a user with a service entity. An example method includes receive a service entity request pertaining to the user. The example method further includes determining a service entity configuration set for the service entity and initiating a session with the service entity device. The example method further includes receiving a session establishment response from the service entity device. The example method further includes generating service entity user interface data and providing the service entity user interface data to an auxiliary device.
    Type: Application
    Filed: December 14, 2023
    Publication date: June 19, 2025
    Inventors: Debashis Ghosh, Justin Blackburn
  • Patent number: 12333602
    Abstract: A method includes receiving a protection request for an exchange and generating a metadata object including a plurality of outputting attributes for outputting. The method further includes generating a protected NFT including a link with the metadata object. The protected NFT is encapsulated within a control structure that restricts an output of the metadata object. The method further includes signing the protected NFT using at least one of a first private key or a second public key. The method further includes transmitting the signed protected NFT to the remote device and continuously monitoring the exchange. The method further includes detecting, by the control structure, at least one outputting attribute of the plurality of outputting attributes is satisfied and, in response to detecting the at least one outputting attribute is satisfied, outputting at least a portion of the output.
    Type: Grant
    Filed: January 19, 2023
    Date of Patent: June 17, 2025
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Debashis Ghosh, Luiz Fernando Flor De Silva, Nathaniel C. Eutsler, Matthew Mullin Shepherd
  • Publication number: 20250156297
    Abstract: A computing system includes a processing circuit configured to obtain user activity data pertaining to a plurality of users enrolled in a service provided by a first provider, identify a first plurality of accounts for which one or more first users have with the first provider and a second plurality of accounts for which one or more second users have with one or more second providers, generate a plurality of datasets, identify a first set of accounts that exceed a predetermined threshold and a second set of accounts within the predetermined threshold, generate a plurality of changes to the predetermined criteria to adjust at least one of a number of accounts included in the first set of accounts or a number of accounts included in the second set of accounts, and generate and present a graphical user interface (GUI) including a plurality of elements to indicate the plurality of changes.
    Type: Application
    Filed: November 13, 2023
    Publication date: May 15, 2025
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Debashis Ghosh, Richard Claude Robert Trent
  • Patent number: 12299438
    Abstract: In general, the subject matter of the present disclosure relates to a service for creating and executing software programs. For example, the disclosed service may include a service interface and an orchestrator. The service interface my receive input, including software code associated with a program or application. The orchestrator may, automatically based on an analysis of the code, or based on input from the user, send sections of the code to one or more kernels for execution under different execution environments.
    Type: Grant
    Filed: January 20, 2023
    Date of Patent: May 13, 2025
    Assignee: Target Brands, Inc.
    Inventors: Jeffrey Jacob Bursik, Matthew Robert Jesser, Sam William Bloomquist, Nathan Ryan Solas, Debashis Ghosh
  • Publication number: 20250139697
    Abstract: Systems, methods, and computer-readable storage media for performance indicator operations are disclosed. One method includes identifying user activity data and one or more performance indicators of a user, and modeling the user activity data to generate one or more performance products including a plurality of performance parameters corresponding to a future performance indicator of the user. The method further includes generating and presenting a graphical user interface (GUI) including one or more actionable events associated with the plurality of performance parameters, and monitoring the user activity data and the one or more performance indicators of the user based on receiving new activity data corresponding to the future performance indicator from a user data source. The method further includes presenting one or more content items on the GUI including an indication of whether the user satisfies the plurality of performance parameters of the one or more performance products.
    Type: Application
    Filed: October 27, 2023
    Publication date: May 1, 2025
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Jim Carlough, Chris A. Feathers, Debashis Ghosh, Rukiya Kelly, Justin Morris Krieger, Michael Restrepo, Jane Turpin, Matt Shuck
  • Patent number: 12271877
    Abstract: A system to track to model asset states and access by utilizing non-fungible tokens (NFTs). The system includes a data processing system including memory and one or more processors to receive a stating request for an asset, obtain, based on a plurality of control structures, a plurality of NFTs, each of the plurality of NFTs including a link with a metadata object including metadata of a state of the asset, encapsulate the plurality of NFTs within a container, receive, from the remote device, a state request for an asset state corresponding to a first NFT, the state request including a security token, obtain, from the metadata of the first NFT, one or more recorded security tokens, compare the security token to the one or more security tokens, and, in response to the security token matching the one or more security tokens, transmit the first NFT to the remote device.
    Type: Grant
    Filed: January 20, 2023
    Date of Patent: April 8, 2025
    Inventors: Debashis Ghosh, Luiz Fernando Flor de Silva, Nathaniel C. Eutsler, Matthew Mullin Shepherd
  • Publication number: 20250104072
    Abstract: Systems, methods, and computer-readable storage media for performance indicator operations. One method includes identifying, by one or more processing circuits, user activity data and one or more performance indicators of a user. The method further includes modeling, by the one or more processing circuits, the user activity data and the one or performance indicators to generate a user data structure. The method further includes determining, by the one or more processing circuits, the user data structure causing an update in the one or more performance indicators. The method further includes configuring an actionable activity corresponding to the at least one future activity of the user, wherein the actionable activity is below a user threshold. The method further includes generating and presenting, by the one or more processing circuits, a graphical user interface (GUI) including actionable elements and at least one message associated with the actionable activity.
    Type: Application
    Filed: September 27, 2023
    Publication date: March 27, 2025
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Jim Carlough, Srinivas R. Doki, Debashis Ghosh, Richard Claude Robert Trent, Jane Turpin
  • Publication number: 20250097214
    Abstract: Systems, apparatuses, methods, and computer program products are disclosed for simultaneous machine multifactor authentication. An example method includes simultaneously receiving, by communications hardware and in response to a machine authentication request, a plurality of authentication factors for a machine via a plurality of channels, wherein the plurality of authentication factors comprises at least one hardware-based challenge authentication factor. The example method further includes verifying, by an authentication engine, the plurality of authentication factors in parallel and authorizing, by the authentication engine, one or more actions based on a successful verification of the plurality of authentication factors.
    Type: Application
    Filed: September 15, 2023
    Publication date: March 20, 2025
    Inventors: Rameshchandra Bhaskar Ketharaju, Justin Blackburn, Debashis Ghosh, Ashutosh Verma
  • Publication number: 20250078088
    Abstract: A computer-implemented method includes determining, by a provider computing system associated with a provider, a goal of a first customer. The computer-implemented method further includes identifying, by the provider computing system, one or more second customers similar to the first customer based on a characteristic of the first customer. The computer-implemented method further includes determining, by the provider computing system, one or more actions taken by the one or more second customers to achieve the goal. The computer-implemented method further includes generating, by the provider computing system, a graphical user interface including an indication of the one or more actions taken by the one or more second customers to achieve the goal. The computer-implemented method further includes transmitting, by the provider computing system, the graphical user interface to a customer device associated with the first customer.
    Type: Application
    Filed: August 30, 2023
    Publication date: March 6, 2025
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Srinivas R. Doki, Chris A. Feathers, Debashis Ghosh, Rukiya Kelly, Justin Morris Krieger, Heidi Schmitz, Richard Claude Robert Trent
  • Publication number: 20250077310
    Abstract: Systems, apparatuses, methods, and computer program products are disclosed for providing a resource allocation recommendation message to a user. An example method includes identifying a predicted liquid asset influx for the user and determining a current resource metric. The method further includes generating a resource allocation recommendation message that comprises one or more resource allocation recommendations that are each associated with (i) a user account of the one or more user accounts associated with the user or a new user account type and (ii) a resource allocation value. The method may further include providing the resource allocation recommendation message.
    Type: Application
    Filed: August 28, 2023
    Publication date: March 6, 2025
    Inventors: Debashis Ghosh, Maria Chiarenza, Srinivas R. Doki, Chinimilli Vara Maheswara Satish Kumar, Michael Restrepo, Kurt D. Newman
  • Publication number: 20250077316
    Abstract: Systems, apparatuses, methods, and computer program products are disclosed for providing an asset savings notification to a user. An example method includes determining a user event prediction for the user and in response to determining the user event prediction, determining a predicted liquid asset influx. The method further includes generating and providing the asset savings notification.
    Type: Application
    Filed: August 28, 2023
    Publication date: March 6, 2025
    Inventors: Debashis Ghosh, Maria Chiarenza, Srinivas R. Doki, Chinimilli Vara Maheswara Satish Kumar, Michael Restrepo, Kurt D. Newman
  • Publication number: 20250029457
    Abstract: Techniques are described for providing financial institution-specific branding and transactions based on a transaction request initiated by a user at a digital ink ATM and subsequent receipt of a cryptogram from the user's payment card at the digital ink ATM. An ATM server device receives the cryptogram from the digital ink ATM and, based on identifying information included in the cryptogram, determines the financial institution associated with the payment card. The ATM server device then communicates with a bank server device associated with the financial institution to authenticate the user. Upon authentication, the bank server sends a file containing branding information specific to the financial institution to the ATM server. The ATM server then sends instructions to the digital ink ATM displays, including a digital ink display, to display the branding information to the user. The bank server device then authorizes performance of the transaction at the digital ink ATM.
    Type: Application
    Filed: December 13, 2022
    Publication date: January 23, 2025
    Inventors: Debashis Ghosh, Kurt D. Newman
  • Patent number: 12204507
    Abstract: Systems, apparatuses, methods, and computer program products are disclosed for obtaining data. The data may be obtained from a variety of data sources. In order to determine the preferred data source for obtaining the data, data quality scores may be computed and assigned to each data source of interest for a given implementation. Each data quality score may take into account several criteria including the computing resources required to obtain the data, the financial cost of obtaining the data, the security risk of obtaining the data, etc. Data may be obtained from the preferred data source, presented to a user associated with the data for verification, and processed in order to provide a computer-implemented services to the user.
    Type: Grant
    Filed: September 12, 2022
    Date of Patent: January 21, 2025
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Debashis Ghosh, Maria Chiarenza, Nathaniel D. Mollison, Matthew C. Howell
  • Publication number: 20250023901
    Abstract: Systems, apparatuses, methods, and computer program products are disclosed for regulating data communication. An example method includes receiving, by transaction circuitry, a communication request and identifying, by data collection engine and based on the communication request, a set of security parameters. The example method further includes determining, by security analysis engine and based on the set of security parameters, a security score associated with the communication request and in an instance in which the security sore fails to satisfy a security requirement, determining, by the security analysis engine, one or more security actions based on the security score and performing, by the transaction circuitry, the one or more security actions. The example method further includes routing, by data regulation engine and based on a configuration table, a transaction associated with the communication request to a compliant communication channel.
    Type: Application
    Filed: July 14, 2023
    Publication date: January 16, 2025
    Inventors: Rameshchandra Bhaskar Ketharaju, Ashutosh Verma, Debashis Ghosh, Shuvam Sengupta
  • Publication number: 20240380759
    Abstract: Systems, apparatuses, methods, and computer program products are disclosed for securely presenting a context-aware user notification to a user using a facility device. An example method includes receiving a user participation request for the user, wherein the user participation request comprises (i) a user characteristic attribute set and (ii) a user identification attribute set and determining a current user location based on the user characteristic attribute set and a temporal image set. The method further includes generating a display configuration set for a facility device indicative of instructions for the facility device for displaying the context-aware user notification based on the current user location.
    Type: Application
    Filed: May 8, 2023
    Publication date: November 14, 2024
    Inventors: Matt T. Graves, Debashis Ghosh
  • Publication number: 20240372852
    Abstract: Systems, apparatuses, methods, and computer program products are disclosed for simultaneous multifactor authentication. An example method includes simultaneously receiving, by communications hardware and in response to a first authentication request, a plurality of authentication factors associated with an individual via a plurality of channels. The example method further includes performing, by an authentication engine, a verification operation that evaluates the plurality of authentication factors in parallel. The example method further includes authorizing, by the authentication engine, the one or more actions based on a successful outcome of the verification operation.
    Type: Application
    Filed: May 2, 2023
    Publication date: November 7, 2024
    Inventors: Debashis Ghosh, Ashutosh Verma, Justin Blackburn, Rameshchandra Bhaskar Ketharaju, Naveen Gururaja Yeri
  • Publication number: 20240354845
    Abstract: Systems, apparatuses, methods, and computer program products are disclosed for continuous evaluation of customer credit. An example method includes receiving, by communications hardware, historical customer financial data, and generating, by user profile circuitry and based on the historical customer financial data, a user credit profile. The example method further includes receiving, by the communications hardware, real-time customer financial data, and updating, by the user profile circuitry and based on the real-time customer financial data, the user credit profile. The example method further includes receiving, by the communications hardware and from a server device, a request for credit data, wherein the credit data is based on the user credit profile, and transmitting, by the communications hardware, the credit data to the server device.
    Type: Application
    Filed: April 19, 2023
    Publication date: October 24, 2024
    Inventors: Zoran Stanisljevic, Cecil B. Burrowes, Debashis Ghosh, Nadia Van De Walle
  • Publication number: 20240346400
    Abstract: A method, computer system, and computer program product that aggregates sample data regarding a plurality of factors associated with employment; performs iterative analysis on the data using machine learning to construct a predictive model; populates, using the predictive model, a database with predicted employment values for predefined geographic regions; converts the predicted employment values in the database into percentages of observed employment values for the predefined geographic regions over a specified time period to create indices of workforce elasticity for each geographic region; and rank orders the predefined geographic regions according to their indices of workforce elasticity.
    Type: Application
    Filed: February 5, 2024
    Publication date: October 17, 2024
    Applicant: ADP, Inc.
    Inventors: Kurt Newman, Debashis Ghosh, Ramsay Cole
  • Publication number: 20240331035
    Abstract: Systems, apparatuses, methods, and computer program products are disclosed for facilitating sensitive data interpretation across disparate systems. An example method includes receiving, by communications hardware, a historical dataset of events having occurred within a first jurisdiction in association with an individual. The example method also includes receiving, by the communications hardware, a request associated with the first individual and a second jurisdiction. The example method also includes receiving, by an assessment engine, a predefined metrics set for the second jurisdiction. The example method also includes determining, by the assessment engine and based on the predefined metrics set, a subset of the historical dataset that is relevant to the second jurisdiction. The example method also includes utilizing, by the assessment engine, the subset of the historical dataset in connection with a credit assessment of the first individual in the second jurisdiction.
    Type: Application
    Filed: March 29, 2023
    Publication date: October 3, 2024
    Inventors: Debashis Ghosh, Poonam Rao, Nadia Van De Walle, Angela Melita Maryland