Patents by Inventor Jonathan Topp

Jonathan Topp 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: 12730691
    Abstract: File status updates can be proactively monitored in transaction systems. For example, a system can send an X9 file comprising transaction data associated with a plurality of transactions to a downstream transaction processing system. The system can receive, via an X9 file status application programming interface (API), a message indicating a status of the X9 file. The X9 file status API can be configured to receive the message from a listener system monitoring for X9 file status updates. The system can cause an action based on the status of the X9 file.
    Type: Grant
    Filed: December 5, 2022
    Date of Patent: September 8, 2026
    Assignee: Truist Bank
    Inventors: Omganesh Teekaramsingh, Louis Allin, Jonathan Topp, Sreelekshmi Padmakumar
  • Patent number: 12619991
    Abstract: A remote deposit capture (RDC) processing anomaly detection and remediation tool that can communicate with the RDC system over a network, and determine whether a RDC transaction is missing from the RDC system by comparing created and assigned unique identifiers represented in RDC transaction data received at a selected RDC system location or component with unique identifiers represented in RDC transaction data received at a RDC system location or component that is upstream thereof. In response to finding a missing RDC transaction, the tool can determine one or more RDC system remediation actions, execute the one or more RDC system remediation actions on the RDC system, and report the missing RDC transaction and any RDC system remediation actions executed on the RDC system.
    Type: Grant
    Filed: September 30, 2024
    Date of Patent: May 5, 2026
    Assignee: Truist Bank
    Inventors: Omganesh Teekaramsingh, Louis Allin, Jonathan Topp, Madhu Babu Martheneni, Lenin Kumar Pagidipala
  • Publication number: 20260105513
    Abstract: A system may facilitate data retrieval from interaction channels. For example, the system may store a parameter defining data requested by a client device. The system may then receive the data from an interaction channel in response to a request for the data. Additionally, the system may receive a processing time that is a length of time to receive the data from the interaction channel and determine that the processing time exceeds a processing time threshold. In response, the system may adjust the parameter to reduce a subsequent processing time to receive second data from the interaction channel and reduce latency in receiving the second data as compared to a latency without adjusting the parameter. Subsequent to adjusting the parameter, the system may receive the second data that satisfies the adjusted parameter and cause a display of the second data at a user interface of the client device.
    Type: Application
    Filed: June 18, 2025
    Publication date: April 16, 2026
    Applicant: Truist Bank
    Inventors: Jonathan Topp, Priya Kenkare Shankaranarayana, Heather Choudhury, Michael Geist, Veeranjaneya Chandu
  • Publication number: 20260038289
    Abstract: In some examples, a system can use machine learning to automatically detect and resolve a visual misinterpretation of a scanned image generated by an automated character recognition (ACR) algorithm. For example, the system can receive an image of a physical document used to initiate an interaction. The system can execute the ACR algorithm to analyze the image and extract interaction data from one or more text fields of the physical document. Subsequently, the system may identify a discrepancy in the interaction data by comparing the interaction data to one or more expected values. In response, the system can provide input to a machine-learning model that can determine that the discrepancy was caused by a visual misinterpretation of the image by the ACR algorithm. The system can then initiate the interaction based on updated interaction data generated by applying an adjustment to the interaction data to address the visual misinterpretation.
    Type: Application
    Filed: August 2, 2024
    Publication date: February 5, 2026
    Applicant: Truist Bank
    Inventors: Veeranjaneya Chandu, Tiffany McKinney, Louis Allin, Priya Kenkare Shankaranarayana, Ramya Kolla, Jonathan Topp, Omganesh Teekaramsingh
  • Publication number: 20260038290
    Abstract: In some examples, a system can use machine learning to automatically detect and resolve a visual misinterpretation of a scanned image generated by an automated character recognition (ACR) algorithm. For example, the system can execute a machine-learning model on interaction data extracted from an image of a physical document for initiating an interaction between entities. The interaction data can include a discrepancy such that the interaction data is different from one or more expected values. The machine-learning model can determine whether the discrepancy was caused by a visual misinterpretation of the image when the ACR algorithm was applied to the image to extract the interaction data. In response to determining that the discrepancy was caused by the visual misinterpretation, the machine-learning model can apply an adjustment to the interaction data to resolve the visual misinterpretation. Applying the adjustment can generate updated interaction data usable to initiate the interaction.
    Type: Application
    Filed: August 6, 2024
    Publication date: February 5, 2026
    Applicant: Truist Bank
    Inventors: Veeranjaneya Chandu, Tiffany McKinney, Louis Allin, Priya Kenkare Shankaranarayana, Ramya Kolla, Jonathan Topp, Omganesh Teekaramsingh
  • Publication number: 20250231928
    Abstract: A system can be used to automatically update a target database. The system can receive input files from an initial database that includes data in a first format. The system can generate enriched files that include entity functions, user functions, and direct updates based on the input files. The system can generate requests based on the entity functions, the user functions, and the direct updates. The enriched files can have a second format that is different than the first format. The system can generate validated enriched files by validating the enriched files and the requests. The system can initiate an automatic update of a target database by transmitting the validated enriched files to the target database that is compatible with the second format.
    Type: Application
    Filed: April 2, 2025
    Publication date: July 17, 2025
    Applicant: Truist Bank
    Inventors: Lenin Kumar Pagidipala, Jonathan Topp, Omganesh Teekaramsingh
  • Patent number: 12361481
    Abstract: A computer-implemented method includes storing parameters that define data requested by a client device. The method also includes receiving the data that satisfies the parameters from interaction channels in response to a request for the data. The method further includes detecting unique identifiers in the data. Each unique identifier of the unique identifiers can be associated with an entity. Additionally, the method includes generating subsets of data for each of the unique identifiers. The method also includes causing a display of the subsets of data for each unique identifier at a user interface of the client device. The subsets of data for each unique identifier can be sent to the client device as separate files.
    Type: Grant
    Filed: April 28, 2023
    Date of Patent: July 15, 2025
    Assignee: Truist Bank
    Inventors: Jonathan Topp, Priya Kenkare Shankaranarayana, Heather Choudhury, Michael Geist, Veeranjaneya Chandu
  • Patent number: 12292877
    Abstract: A system can be used to automatically update a target database. The system can receive input files from an initial database that includes data in a first format. The system can generate enriched files that include entity functions, user functions, and direct updates based on the input files. The system can generate requests based on the entity functions, the user functions, and the direct updates. The enriched files can have a second format that is different than the first format. The system can generate validated enriched files by validating the enriched files and the requests. The system can initiate an automatic update of a target database by transmitting the validated enriched files to the target database that is compatible with the second format.
    Type: Grant
    Filed: June 9, 2023
    Date of Patent: May 6, 2025
    Assignee: Truist Bank
    Inventors: Lenin Kumar Pagidipala, Jonathan Topp, Omganesh Teekaramsingh
  • Publication number: 20250021983
    Abstract: A remote deposit capture (RDC) processing anomaly detection and remediation tool that can communicate with the RDC system over a network, and determine whether a RDC transaction is missing from the RDC system by comparing created and assigned unique identifiers represented in RDC transaction data received at a selected RDC system location or component with unique identifiers represented in RDC transaction data received at a RDC system location or component that is upstream thereof. In response to finding a missing RDC transaction, the tool can determine one or more RDC system remediation actions, execute the one or more RDC system remediation actions on the RDC system, and report the missing RDC transaction and any RDC system remediation actions executed on the RDC system.
    Type: Application
    Filed: September 30, 2024
    Publication date: January 16, 2025
    Applicant: Truist Bank
    Inventors: Omganesh Teekaramsingh, Louis Allin, Jonathan Topp, Madhu Babu Martheneni, Lenin Kumar Pagidipala
  • Publication number: 20240412206
    Abstract: A computer-implemented method includes receiving parameters including an account threshold. The account threshold can define a maximum number of accounts that can be included in a request. The method also includes executing an application programming interface call associated with the request to an interaction channel based on the at least one parameter. The method further includes receiving data that satisfies the parameters in response to the application programming interface call. Additionally, the method includes causing a display of the data at a user interface of a client device. The data can be used by the client device to analyze account activity.
    Type: Application
    Filed: June 7, 2023
    Publication date: December 12, 2024
    Applicant: Truist Bank
    Inventors: Jonathan Topp, Priya Kenkare Shankaranarayana, Heather Choudhury, Michael Geist, Veeranjaneya Chandu
  • Publication number: 20240411745
    Abstract: A system can be used to automatically update a target database. The system can receive input files from an initial database that includes data in a first format. The system can generate enriched files that include entity functions, user functions, and direct updates based on the input files. The system can generate requests based on the entity functions, the user functions, and the direct updates. The enriched files can have a second format that is different than the first format. The system can generate validated enriched files by validating the enriched files and the requests. The system can initiate an automatic update of a target database by transmitting the validated enriched files to the target database that is compatible with the second format.
    Type: Application
    Filed: June 9, 2023
    Publication date: December 12, 2024
    Applicant: Truist Bank
    Inventors: Lenin Kumar Pagidipala, Jonathan Topp, Omganesh Teekaramsingh
  • Patent number: 12141809
    Abstract: A remote deposit capture (RDC) processing anomaly detection and remediation tool that can communicate with the RDC system over a network, and determine whether a RDC transaction is missing from the RDC system by comparing created and assigned unique identifiers represented in RDC transaction data received at a selected RDC system location or component with unique identifiers represented in RDC transaction data received at a RDC system location or component that is upstream thereof. In response to finding a missing RDC transaction, the tool can determine one or more RDC system remediation actions, execute the one or more RDC system remediation actions on the RDC system, and report the missing RDC transaction and any RDC system remediation actions executed on the RDC system.
    Type: Grant
    Filed: December 13, 2022
    Date of Patent: November 12, 2024
    Assignee: Truist Bank
    Inventors: Omganesh Teekaramsingh, Louis Allin, Jonathan Topp, Madhu Babu Martheneni, Lenin Kumar Pagidipala
  • Publication number: 20240362704
    Abstract: A computer-implemented method includes storing parameters that define data requested by a client device. The method also includes receiving the data that satisfies the parameters from interaction channels in response to a request for the data. The method further includes detecting unique identifiers in the data. Each unique identifier of the unique identifiers can be associated with an entity. Additionally, the method includes generating subsets of data for each of the unique identifiers. The method also includes causing a display of the subsets of data for each unique identifier at a user interface of the client device. The subsets of data for each unique identifier can be sent to the client device as separate files.
    Type: Application
    Filed: April 28, 2023
    Publication date: October 31, 2024
    Applicant: Truist Bank
    Inventors: Jonathan Topp, Priya Kenkare Shankaranarayana, Heather Choudhury, Michael Geist, Veeranjaneya Chandu
  • Publication number: 20240345850
    Abstract: A computing system can receive, from a mobile application executing on a mobile device, at least one image that has been captured on the mobile device and corresponds to an interaction. The computing system can extract interaction data from each image. The computing system can transmit an application programming interface request to an entity server that is configured to cause the entity server to process the plurality of interactions and receive a confirmation from the entity server that the plurality of interactions have been processed.
    Type: Application
    Filed: June 25, 2024
    Publication date: October 17, 2024
    Applicant: Truist Bank
    Inventors: Louis Allin, Jonathan Topp, Omganesh Teekaramsingh, Lenin Kumar Pagidipala
  • Patent number: 12045632
    Abstract: A computing system can receive, from a mobile application executing on a mobile device, at least one image that has been captured on the mobile device and corresponds to an interaction. The computing system can extract interaction data from each image. The computing system can transmit a notification to the mobile device indicating that the interaction data has been extracted from the images. The computing system can receive a request to transmit the plurality of interactions to an entity server for processing. The computing system can generate, based on the interaction data, an application programming interface request that is configured to cause the entity server to process the plurality of interactions. The computing system can transmit the application programming interface request to the entity server and receive a confirmation from the entity server that the plurality of interactions have been processed.
    Type: Grant
    Filed: December 2, 2022
    Date of Patent: July 23, 2024
    Assignee: Truist Bank
    Inventors: Louis Allin, Jonathan Topp, Omganesh Teekaramsingh, Lenin Kumar Pagidipala
  • Publication number: 20240193606
    Abstract: A remote deposit capture (RDC) processing anomaly detection and remediation tool that can communicate with the RDC system over a network, and determine whether a RDC transaction is missing from the RDC system by comparing created and assigned unique identifiers represented in RDC transaction data received at a selected RDC system location or component with unique identifiers represented in RDC transaction data received at a RDC system location or component that is upstream thereof. In response to finding a missing RDC transaction, the tool can determine one or more RDC system remediation actions, execute the one or more RDC system remediation actions on the RDC system, and report the missing RDC transaction and any RDC system remediation actions executed on the RDC system.
    Type: Application
    Filed: December 13, 2022
    Publication date: June 13, 2024
    Applicant: Truist Bank
    Inventors: Omganesh Teekaramsingh, Louis Allin, Jonathan Topp, Madhu Babu Martheneni, Lenin Kumar Pagidipala
  • Publication number: 20240185196
    Abstract: A remote deposit capture (RDC) monitoring tool in the form of a computerized system that can communicate with the RDC system over a network, receive RDC transaction data for RDC transactions initiated within some period of time, and create and assign to each RDC transaction, a unique identifier comprising selected items of deposit information. The system can compare the unique identifiers associated with RDC transaction data at a selected layer or component of the RDC system with the unique identifiers associated with RDC transaction data at a downstream layer or component. The system can determine, in response to the comparison of unique identifiers, that a unique identifier and corresponding RDC transaction are missing from the downstream layer or component, while storing and processing only a fraction of the total information included in the RDC transaction data received from the RDC system.
    Type: Application
    Filed: December 5, 2022
    Publication date: June 6, 2024
    Applicant: Truist Bank
    Inventors: Louis Allin, Jonathan Topp, Omganesh Teekaramsingh, Madhu babu Martheneni, Lenin Kumar Pagidipala
  • Publication number: 20240184643
    Abstract: File status updates can be proactively monitored in transaction systems. For example, a system can send an X9 file comprising transaction data associated with a plurality of transactions to a downstream transaction processing system. The system can receive, via an X9 file status application programming interface (API), a message indicating a status of the X9 file. The X9 file status API can be configured to receive the message from a listener system monitoring for X9 file status updates. The system can cause an action based on the status of the X9 file.
    Type: Application
    Filed: December 5, 2022
    Publication date: June 6, 2024
    Applicant: Truist Bank
    Inventors: Omganesh Teekaramsingh, Louis Allin, Jonathan Topp, Sreeleksmi Padmakumar
  • Publication number: 20240184593
    Abstract: A computing system can receive, from a mobile application executing on a mobile device, at least one image that has been captured on the mobile device and corresponds to an interaction. The computing system can extract interaction data from each image. The computing system can transmit a notification to the mobile device indicating that the interaction data has been extracted from the images. The computing system can receive a request to transmit the plurality of interactions to an entity server for processing. The computing system can generate, based on the interaction data, an application programming interface request that is configured to cause the entity server to process the plurality of interactions. The computing system can transmit the application programming interface request to the entity server and receive a confirmation from the entity server that the plurality of interactions have been processed.
    Type: Application
    Filed: December 2, 2022
    Publication date: June 6, 2024
    Inventors: Louis Allin, Jonathan Topp, Omganesh Teekaramsingh, Lenin Kumar Pagidipala