Patents by Inventor Jayanth PRATHIPATI

Jayanth PRATHIPATI 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: 20250111373
    Abstract: Disclosed embodiments may include a method for fraud prevention. The method may include receiving a login request for an account associated with a user and a geolocation of the user device, and determining whether the geolocation of the user device falls outside of a known customer geographic region. In responsive to determining the geolocation of the user falls outside of the known customer geographic region, the method may include transmitting a request for a first step-up authentication information to the user device, receiving, via the user device, the first step-up authentication information using one or more step-up authentication methods, and determining whether the first step-up authentication information matches known first step-up authentication information. In response to determining that the first step-up authentication information matches a known first step-up authentication information, the method may include authorizing the user device to access the account of the user.
    Type: Application
    Filed: October 2, 2023
    Publication date: April 3, 2025
    Inventors: Jayanth Prathipati, Daniel Pick, Colin Hart
  • Publication number: 20250103688
    Abstract: Verification techniques based on wireless communication with a contactless card. A passcode is generated based on a cryptogram read from a contactless card. The passcode is generated responsive to a device detecting the contactless card. The passcode has an associated account and an associated validity criterion. The passcode is stored on a server. A request specifying to perform an operation associated with the account and further specifying a passcode generated prior to the operation being specified is received. Upon a determination that the specified passcode matches the stored passcode and that the validity criterion remains satisfied, the operation specified by the request is authorized to be performed.
    Type: Application
    Filed: September 21, 2023
    Publication date: March 27, 2025
    Applicant: Capital One Services, LLC
    Inventors: Daniel Pick, Jayanth Prathipati, Colin Hart
  • Publication number: 20250053979
    Abstract: Systems and methods for enhanced security to log in to a mobile application are provided. A short-range communication antenna of a mobile device can receive a cryptogram from a contactless card, and a processor of the mobile device can verify the cryptogram to identify a customer account associated with the contactless card and verify that a phone number of the mobile device is associated with the customer account. Then, a user interface device of the mobile device can receive enhanced security input data, and the the processor of the mobile device can verify that the enhanced security input data matches enhanced security record data associated with the customer account. When the cryptogram, the phone number of the mobile device, and the enhanced security input data have been verified, systems and methods disclosed here can log in to a mobile application running on the mobile device to access the customer account.
    Type: Application
    Filed: August 10, 2023
    Publication date: February 13, 2025
    Applicant: Capital One Services, LLC
    Inventors: Daniel Pick, Jayanth Prathipati, Colin Hart
  • Publication number: 20250053983
    Abstract: Systems and methods disclosed herein can determine when a digital transaction initiated in connection with a user account satisfies at least one predetermined risk factor. Responsive thereto, systems and methods disclosed herein can increase security to verify that the digital transaction is likely being initiated by an authorized user of the user account prior to executing the digital transaction in connection with the user account. To do so, a mobile device can communicate with a contactless card to receive a cryptogram therefrom, verify the cryptogram to identify the user account and to confirm that the contactless card is associated with the user account, and verify that a phone number of the mobile device is also associated with the user account.
    Type: Application
    Filed: August 10, 2023
    Publication date: February 13, 2025
    Applicant: Capital One Services, LLC
    Inventors: Daniel Pick, Jayanth Prathipati, Colin Hart
  • Publication number: 20240205338
    Abstract: In some implementations, a server device may obtain an indication of an incoming call, associated with a user device, to the call center service. The server device may perform a lookup in a database for information associated with the user device, wherein the information indicates the authentication status of a user that is established via the user device. The server device may determine whether an amount of time that the information has been stored in the database is less than or equal to a time threshold. The server device may generate an authentication token for the incoming call based on the authentication status and based on the amount of time being less than or equal to the time threshold.
    Type: Application
    Filed: December 14, 2022
    Publication date: June 20, 2024
    Inventors: Erik NEIGHBOUR, Shashikiran PARGAONKAR, Jayanth PRATHIPATI
  • Publication number: 20240187406
    Abstract: In some implementations, a device may receive a notification to authenticate a user associated with a user account of an application server. The device may send, to the user device, an authentication request that prompts the user to provide a contextual description of an operation associated with the user account. The device may receive, from the user device, an authentication response that includes a described characteristic of the operation that is associated with a parameter of the operation. The device may determine whether the authentication response is valid based on a comparison of the described characteristic of the operation and the parameter of the operation. The device may cause, based on a determination that the authentication response is valid, performance of the operation based on the parameter.
    Type: Application
    Filed: February 12, 2024
    Publication date: June 6, 2024
    Inventors: Amanpreet Kaur DHINDSA, Jayanth PRATHIPATI, Hamza MONAWER
  • Publication number: 20240143730
    Abstract: Methods and systems are described herein for novel uses and/or improvements in application or service authentication for a provider of disparate applications and/or services using blockchain technology. As one example, a method and a system are described herein for a unified user device authentication mechanism across multiple lines of service using cryptographic tokens. The system may receive, as part of a login request from a user, an address associated with a cryptography-based storage application, a cryptographic signature, and an identifier associated with a cryptographic token. The system may verify that the cryptographic token is valid and that the cryptography-based storage application controls the cryptographic token to grant the user access to the application or line of service.
    Type: Application
    Filed: October 28, 2022
    Publication date: May 2, 2024
    Applicant: Capital One Services, LLC
    Inventors: Jayanth PRATHIPATI, Daniel PICK, Colin HART
  • Patent number: 11902275
    Abstract: In some implementations, a device may receive a notification to authenticate a user associated with a user account of an application server. The device may send, to the user device, an authentication request that prompts the user to provide a contextual description of an operation associated with the user account. The device may receive, from the user device, an authentication response that includes a described characteristic of the operation that is associated with a parameter of the operation. The device may determine whether the authentication response is valid based on a comparison of the described characteristic of the operation and the parameter of the operation. The device may cause, based on a determination that the authentication response is valid, performance of the operation based on the parameter.
    Type: Grant
    Filed: January 11, 2021
    Date of Patent: February 13, 2024
    Assignee: Capital One Services, LLC
    Inventors: Amanpreet Kaur Dhindsa, Jayanth Prathipati, Hamza Monawer
  • Publication number: 20220237483
    Abstract: Systems and methods for an automated testing system may include a server including a processor and a memory. The memory may contain an accessibility matrix. The system may include a test engine in data communication with the server. The test engine may include a machine learning model. Upon receipt of a development application comprising one or more functions, the test engine may be configured to generate a test script configured to test at least one of the one or more functions, execute the test script to generate a test result, and implement a change to the development application based on the test result and the accessibility matrix.
    Type: Application
    Filed: January 27, 2021
    Publication date: July 28, 2022
    Inventors: Lara MOSSLER, Jayanth PRATHIPATI
  • Publication number: 20220224685
    Abstract: In some implementations, a device may receive a notification to authenticate a user associated with a user account of an application server. The device may send, to the user device, an authentication request that prompts the user to provide a contextual description of an operation associated with the user account. The device may receive, from the user device, an authentication response that includes a described characteristic of the operation that is associated with a parameter of the operation. The device may determine whether the authentication response is valid based on a comparison of the described characteristic of the operation and the parameter of the operation. The device may cause, based on a determination that the authentication response is valid, performance of the operation based on the parameter.
    Type: Application
    Filed: January 11, 2021
    Publication date: July 14, 2022
    Inventors: Amanpreet Kaur DHINDSA, Jayanth PRATHIPATI, Hamza MONAWER