Patents by Inventor Gilbert M. Gatchalian
Gilbert M. Gatchalian 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: 20240144198Abstract: Systems, devices, and methods for machine learning based processing of service requests is described. A user device may send a service request to a service management platform. Based on keywords in the request and a knowledge base, the service management platform may send indications of one or more prospective solutions to the user device. The service management platform may update the knowledge base based on success or failure of the prospective solution.Type: ApplicationFiled: November 1, 2022Publication date: May 2, 2024Inventors: Gilbert M. Gatchalian, Brian Christman, Kamal D. Sharma, Karthik Rajagopalan, Kevin A. Delson, Ronnie Rosseland, Yassine Touahri, Amer Ali
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Publication number: 20230306511Abstract: A computing system includes a first computing platform and a virtual exchange computing platform, where the first computing platform provides an application and a first electronic value token and the virtual exchange computing platform is communicatively coupled to the first computing platform. The virtual exchange computing platform receives the information corresponding to the first electronic value token and calculates, via API functions linking to banking as a service (BaaS) functionality processed by a valuation computing platform, a valuation of the first electronic value token. The virtual exchange computing platform causes presentation, via a network and on a first user device, a user interface screen presenting a visualization of a value of the electronic value token and comprising an input and triggers, based on a received trade input from the user interface, a virtual exchange of value involving the first electronic value token.Type: ApplicationFiled: May 16, 2023Publication date: September 28, 2023Inventors: Gilbert M. Gatchalian, Jesse S. Newsom, III, Kevin Tran, Yogi Ahuja, Kevin A. Delson
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Patent number: 11699188Abstract: A computing system includes a first computing platform and a virtual exchange computing platform, where the first computing platform provides an application and a first electronic value token and the virtual exchange computing platform is communicatively coupled to the first computing platform. The virtual exchange computing platform receives the information corresponding to the first electronic value token and calculates, via API functions linking to banking as a service (BaaS) functionality processed by a valuation computing platform, a valuation of the first electronic value token. The virtual exchange computing platform causes presentation, via a network and on a first user device, a user interface screen presenting a visualization of a value of the electronic value token and comprising an input and triggers, based on a received trade input from the user interface, a virtual exchange of value involving the first electronic value token.Type: GrantFiled: August 13, 2021Date of Patent: July 11, 2023Assignee: Bank of America CorporationInventors: Gilbert M. Gatchalian, Jesse S. Newsom, III, Kevin Tran, Yogi Ahuja, Kevin A. Delson
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Publication number: 20230046393Abstract: A computing system includes a first computing platform and a virtual exchange computing platform, where the first computing platform provides an application and a first electronic value token and the virtual exchange computing platform is communicatively coupled to the first computing platform. The virtual exchange computing platform receives the information corresponding to the first electronic value token and calculates, via API functions linking to banking as a service (BaaS) functionality processed by a valuation computing platform, a valuation of the first electronic value token. The virtual exchange computing platform causes presentation, via a network and on a first user device, a user interface screen presenting a visualization of a value of the electronic value token and comprising an input and triggers, based on a received trade input from the user interface, a virtual exchange of value involving the first electronic value token.Type: ApplicationFiled: August 13, 2021Publication date: February 16, 2023Inventors: Gilbert M. Gatchalian, Jesse S. Newsom, III, Kevin Tran, Yogi Ahuja, Kevin A. Delson
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Publication number: 20230043509Abstract: Various aspects of the disclosure relate to automated generation and electronic delivery of digital representations of guaranteed financial instruments. A check generation service platform may process personal financial instrument images, along with user account information, to generate electronic representations of guaranteed financial products. Delivery of the guaranteed financial product may be performed as an electronic message comprising one or more of a bar code, a QR code, or an electronic token, and an electronic image that may be executed by a third-party computing platform.Type: ApplicationFiled: August 3, 2021Publication date: February 9, 2023Inventors: Morgan S. Allen, Monika Kapur, Gilbert M. Gatchalian
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Publication number: 20230012019Abstract: Various aspects of the disclosure relate to automated compliance verification systems for authenticating and verifying compliance associated with electronic transactions. A compliance verification platform may be an intermediary between an application for managing and/or recording transactions and a transaction processing platform for processing a transaction.Type: ApplicationFiled: July 7, 2021Publication date: January 12, 2023Inventors: Jesse S. Newsom, III, Kevin A. Delson, Gilbert M. Gatchalian
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Patent number: 10915613Abstract: Systems for dynamic authentication are provided. In some examples, a system may receive a request to process an event. In some examples, the request to process the event may include additional details associated with the event. The system may initiate dynamic authentication functions and may retrieve data from a plurality of sources. In some examples, the data from the plurality of sources may be analyzed using machine learning to dynamically generate authentication data, such as one or more authentication questions. The system may also generate one or more corresponding responses or answers to the one or more authentication questions. In some examples, the one or more authentication questions may be transmitted to a user device or other device and may be displayed to the user. The user may provide authentication response data that may be analyzed by the system to determine whether it matches the generated response or answer. If so, the user may be authenticated and/or the event may be processed.Type: GrantFiled: August 21, 2018Date of Patent: February 9, 2021Assignee: Bank of America CorporationInventors: Keesara Himabindu, Jayachandra Varma, Crystal M. Sundaramoorthy, Gilbert M. Gatchalian, Manu Kurian, Kevin A. Delson, Saritha Prasad Vrittamani, Angela Cain
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Patent number: 10812486Abstract: Aspects of the disclosure relate to utilizing smart data tags to track and control secure enterprise data. A computing platform may receive, from an enterprise user computing device, enterprise data. Subsequently, the computing platform may determine one or more tags to be applied to the enterprise data. Then, the computing platform may generate a smart data object based on the enterprise data received from the enterprise user computing device and the one or more tags determined to be applied to the enterprise data received from the enterprise user computing device. Next, the computing platform may send, to an enterprise data storage platform, the smart data object, and sending the smart data object to the enterprise data storage platform may cause the enterprise data storage platform to store the smart data object in a repository comprising a plurality of smart data objects maintained by the enterprise data storage platform.Type: GrantFiled: December 5, 2018Date of Patent: October 20, 2020Assignee: Bank of America CorporationInventors: Kevin A. Delson, Crystal M. Sundaramoorthy, Manu Kurian, Gopikrishna Nemalikanti, Jayachandra Varma, Gilbert M. Gatchalian
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Publication number: 20200186527Abstract: Aspects of the disclosure relate to utilizing smart data tags to track and control secure enterprise data. A computing platform may receive, from an enterprise user computing device, enterprise data. Subsequently, the computing platform may determine one or more tags to be applied to the enterprise data. Then, the computing platform may generate a smart data object based on the enterprise data received from the enterprise user computing device and the one or more tags determined to be applied to the enterprise data received from the enterprise user computing device. Next, the computing platform may send, to an enterprise data storage platform, the smart data object, and sending the smart data object to the enterprise data storage platform may cause the enterprise data storage platform to store the smart data object in a repository comprising a plurality of smart data objects maintained by the enterprise data storage platform.Type: ApplicationFiled: December 5, 2018Publication date: June 11, 2020Inventors: Kevin A. Delson, Crystal M. Sundaramoorthy, Manu Kurian, Gopikrishna Nemalikanti, Jayachandra Varma, Gilbert M. Gatchalian
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Publication number: 20200065459Abstract: Systems for dynamic authentication are provided. In some examples, a system may receive a request to process an event. In some examples, the request to process the event may include additional details associated with the event. The system may initiate dynamic authentication functions and may retrieve data from a plurality of sources. In some examples, the data from the plurality of sources may be analyzed using machine learning to dynamically generate authentication data, such as one or more authentication questions. The system may also generate one or more corresponding responses or answers to the one or more authentication questions. In some examples, the one or more authentication questions may be transmitted to a user device or other device and may be displayed to the user. The user may provide authentication response data that may be analyzed by the system to determine whether it matches the generated response or answer. If so, the user may be authenticated and/or the event may be processed.Type: ApplicationFiled: August 21, 2018Publication date: February 27, 2020Inventors: Keesara Himabindu, Jayachandra Varma, Crystal M. Sundaramoorthy, Gilbert M. Gatchalian, Manu Kurian, Kevin A. Delson, Saritha Prasad Vrittamani, Angela Cain