Patents by Inventor Kumar Raju

Kumar Raju 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: 11392684
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for authentication of user activities based on establishing communication links between network devices. The invention is structured for dynamically authenticating transmitted activity processing data based on establishing seamless electronic communication handshake between network devices and without requiring user intervention. Specifically, the invention is structured to establish an operative communication link between the second networked device and the user device, wherein establishing the operative communication link comprises establishing a handshake between an entity intelligent platform associated with the second networked device and the multi-channel cognitive resource platform of the user device. Moreover, the invention is structured to authenticate the first activity for based on the identified code match.
    Type: Grant
    Filed: July 9, 2020
    Date of Patent: July 19, 2022
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Udaya Kumar Raju Ratnakaram, Puneetha Polasa
  • Publication number: 20220222570
    Abstract: There is a need for more effective and efficient performing classification-based predictive data analysis on named data collections. This need can be addressed by, for example, solutions for performing classification-based predictive data analysis on named data collections that utilize at least one of techniques for generating column classification machine learning models to perform column classification, techniques for generating column classification machine learning models to perform anomaly detection, techniques for utilizing trained column classification machine learning models to perform column classification, and techniques for utilizing trained column classification machine learning models to perform anomaly detection.
    Type: Application
    Filed: January 12, 2021
    Publication date: July 14, 2022
    Inventors: Swapna Sourav Rout, Sudeep Choudhary, Subhadip Maji, Vineet Shukla, Ravi Kumar Raju Gottumukkala
  • Publication number: 20220222571
    Abstract: There is a need for more effective and efficient performing classification-based predictive data analysis on named data collections. This need can be addressed by, for example, solutions for performing classification-based predictive data analysis on named data collections that utilize at least one of techniques for generating column classification machine learning models to perform column classification, techniques for generating column classification machine learning models to perform anomaly detection, techniques for utilizing trained column classification machine learning models to perform column classification, and techniques for utilizing trained column classification machine learning models to perform anomaly detection.
    Type: Application
    Filed: January 12, 2021
    Publication date: July 14, 2022
    Inventors: Swapna Sourav Rout, Sudeep Choudhary, Subhadip Maji, Vineet Shukla, Ravi Kumar Raju Gottumukkala, John Markson
  • Publication number: 20220217306
    Abstract: Apparatus and methods for remotely viewing and authenticating/validating the contents of a safe deposit box (or safe) are provided. The apparatus and methods may include a safe deposit box including a locking internal cavity, a camera, a weight sensor, a light, a control circuit, and a communication circuit. After receiving a request to view the contents and authenticating a user, the safe deposit box may take still or motion pictures of the contents and weigh the contents and send the results to the user or a server. If the contents of the safe deposit box have changed an alert may be sent to the user or a server.
    Type: Application
    Filed: January 1, 2021
    Publication date: July 7, 2022
    Inventors: Udaya Kumar Raju Ratnakaram, Mohammed Zubair Mohammed Ajmal, Amit Mishra, Krithika Viswanathan
  • Patent number: 11381783
    Abstract: Apparatus and methods for remotely viewing and authenticating/validating the contents of a safe deposit box (or safe) are provided. The apparatus and methods may include a safe deposit box including a locking internal cavity, a camera, a weight sensor, a light, a control circuit, and a communication circuit. After receiving a request to view the contents and authenticating a user, the safe deposit box may take still or motion pictures of the contents and weigh the contents and send the results to the user or a server. If the contents of the safe deposit box have changed an alert may be sent to the user or a server.
    Type: Grant
    Filed: January 1, 2021
    Date of Patent: July 5, 2022
    Assignee: Bank of America Corporation
    Inventors: Udaya Kumar Raju Ratnakaram, Mohammed Zubair Mohammed Ajmal, Amit Mishra, Krithika Viswanathan
  • Publication number: 20220201478
    Abstract: Intelligent systems for detecting SIM swap in mobile devices, wherein if a user requests access to an account via a mobile device, a mobile device application (MDA) sends the request along with mobile device ID and IMSI. If all information received from the MDA matches information stored in memory, the user can access the account. If the mobile device ID or IMSI received from the MDA do not match the mobile device ID or IMSI stored in memory, a social intelligence module compares a mobile device user profile with a profile for a user associated with the account ID. If the mobile device user profile matches or is within a confidence level of the profile for the user associated with the account ID, the user can access the account. Otherwise, additional methods to validate the user may be implemented to prevent possible fraudsters from accessing the account.
    Type: Application
    Filed: March 14, 2022
    Publication date: June 23, 2022
    Inventors: Udaya Kumar Raju Ratnakaram, Praveena Maddamsetty
  • Patent number: 11354640
    Abstract: Systems for contactless authentication and event processing are provided. In some examples, functionality of a self-service kiosk may be requested. In response, a user may be authenticated and a first interactive user interface may be generated and displayed by the self-service kiosk. A second, different interactive user interface may be generated and transmitted for display by an event processing device. A user may select an option displayed by the event processing device. The user selection may be made via the second interactive user interface. The user selection may then cause the self-service kiosk to execute the selected function.
    Type: Grant
    Filed: July 6, 2020
    Date of Patent: June 7, 2022
    Assignee: Bank of America Corporation
    Inventors: Udaya Kumar Raju Ratnakaram, Sandeep Kumar Chauhan
  • Patent number: 11341486
    Abstract: Embodiments of the present invention provide a system for secure transfer of encrypted resources and asynchronous execution. In general, a user initiates an event with a merchant system and requests a secure resource transfer process associated with the event. Encrypted initial event details are transmitted through an asynchronous command form the merchant system to a computing device of the user, and resource information is identified at the computing device of the user. The computing device of the user then transmits the event details and the resource information to an event processing system for final execution.
    Type: Grant
    Filed: May 21, 2018
    Date of Patent: May 24, 2022
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Udaya Kumar Raju Ratnakaram, Rajesh Balireddy, Pinak Chakraborty, Nagasubramanya Lakshminarayana
  • Patent number: 11343259
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for dynamic stepped multi-level authentication. The invention is structured for progressively authenticating transmitted activity processing data over escalating authentication levels using electronic communications between network devices over separate communication channels. Specifically, the invention is structured to authenticate the first activity for a first authentication level based on determining a spatial congruence of the user device and the resource instrument device associated with the first activity. Moreover, the invention is structured to trigger a second authentication level requirement above the first authentication level based on at least the first authentication level and resource activity processing data.
    Type: Grant
    Filed: July 9, 2020
    Date of Patent: May 24, 2022
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Udaya Kumar Raju Ratnakaram, Puneetha Polasa
  • Patent number: 11328274
    Abstract: A system configured for managing a split transaction is disclosed. The system receives a request from a first user device associated with a first user to initiate a split transaction session between the first, second, and third users. A first user device associated with the first user includes second contact information associated with the second user. A second user device associated with the second user includes third contact information associated with the third user. The system receives an API request from the first user device to retrieve a third user profile. The system sends a request to the second user device to retrieve the third user profile. The second user device retrieves the third user profile and sends it to the system. The system retrieves the second and third user profiles and adds them to the split transaction session. The system conducts the split transaction session.
    Type: Grant
    Filed: July 28, 2020
    Date of Patent: May 10, 2022
    Assignee: Bank of America Corporation
    Inventors: Sandeep Kumar Chauhan, Udaya Kumar Raju Ratnakaram
  • Patent number: 11321063
    Abstract: Apparatus and methods for deploying a web application including a plurality of binary objects. The methods may include isolating from the plurality of class files a class file in which a run-time behavior occurs. The methods may include updating the class file to produce a modified class file that does not have the behavior. The methods may include testing performance of the modified class file. The methods may include storing the class file in a dynamic configuration database. The methods may include recognizing the modified class file as being modified. The methods may include, using a cron job processor, reading the metadata. The methods may include compiling the modified class file into binary code. The methods may include executing the binary code instead of a different binary code that corresponds to the class file in which the run-time behavior occurs.
    Type: Grant
    Filed: March 23, 2021
    Date of Patent: May 3, 2022
    Assignee: Bank of America Corporation
    Inventors: Naveen Kumar Reddy Murthi, Udaya Kumar Raju Ratnakaram, Punit Srivastava, Jian James Chen
  • Publication number: 20220128052
    Abstract: An example assembly comprises: a main housing; an electric motor disposed in the main housing and comprising a stator fixedly positioned in the main housing, and a rotor positioned within the stator; a hydraulic pump positioned in the main housing and at least partially within the rotor, wherein the hydraulic pump is configured to receive fluid from an inlet port and provide fluid flow to an outlet port, wherein the hydraulic pump comprises a pump shaft rotatably coupled to the rotor of the electric motor; a controller housing coupled to the main housing; and a motor controller comprising one or more circuit boards disposed within the controller housing and configured to generate electric current to drive the electric motor.
    Type: Application
    Filed: June 23, 2020
    Publication date: April 28, 2022
    Inventors: Hao Zhang, Satish Kumar Raju Kalidindi, Steven Huard, Yu-Sen Chu, Suresh Natarajan, Brian Burgess, Frank Iannizzaro, Patrick Toops, Robb Fisher
  • Patent number: 11317282
    Abstract: Intelligent systems for detecting SIM swap in mobile devices, wherein if a user requests access to an account via a mobile device, a mobile device application (MDA) sends the request along with mobile device ID and IMSI. If all information received from the MDA matches information stored in memory, the user can access the account. If the mobile device ID or IMSI received from the MDA do not match the mobile device ID or IMSI stored in memory, a social intelligence module compares a mobile device user profile with a profile for a user associated with the account ID. If the mobile device user profile matches or is within a confidence level of the profile for the user associated with the account ID, the user can access the account. Otherwise, additional methods to validate the user may be implemented to prevent possible fraudsters from accessing the account.
    Type: Grant
    Filed: December 19, 2019
    Date of Patent: April 26, 2022
    Assignee: Bank of America Corporation
    Inventors: Udaya Kumar Raju Ratnakaram, Praveena Maddamsetty
  • Publication number: 20220108296
    Abstract: Systems for contactless event processing are provided. In some examples, functionality of a self-service kiosk may be requested. In response, a user may be authenticated and a first interactive user interface may be generated and displayed by the self-service kiosk. A user may capture an image of the generated first interactive user interface displayed by the self-service kiosk using, for instance, an image capture device of a user computing device. The captured image may be displayed by a display of the user computing device and the user may provide user input to the user computing device selecting a displayed option. The user input may be processed and mapped to functionality associated with the self-service kiosk. Based on the mapping, one or more instructions or commands may be generated and transmitted to the self-service kiosk. The self-service kiosk may execute the instructions or commands to execute the requested functionality.
    Type: Application
    Filed: October 1, 2020
    Publication date: April 7, 2022
    Inventors: Udaya Kumar Raju Ratnakaram, Sandeep Kumar Chauhan
  • Patent number: 11289080
    Abstract: A memory stores a first voice record of a first user and a second voice record of a second user. A processor receives from a device of the first user a recording of a voice conversation between the first and second users and compares the recording with the first and second voice records to determine that the voice conversation is between the first and second users. The processor also determines that the first and second users intend to conduct a transaction with each other and determines a transaction amount for the transaction. The processor further communicates, to the device of the first user, a message, receives, from the device of the first user, a confirmation of the transaction in response to the message, and in response to the confirmation, initiates the transaction.
    Type: Grant
    Filed: October 11, 2019
    Date of Patent: March 29, 2022
    Assignee: Bank of America Corporation
    Inventors: Nagasubramanya Lakshminarayana, Udaya Kumar Raju Ratnakaram
  • Publication number: 20220083898
    Abstract: There is a need for more effective and efficient anomalous text detection.
    Type: Application
    Filed: September 11, 2020
    Publication date: March 17, 2022
    Inventors: Vineet Shukla, V Kishore Ayyadevara, Rohan Khilnani, Ravi Kumar Raju Gottumukkala, Ankit Varshney, Rajat Gupta
  • Patent number: 11265396
    Abstract: Embodiments of the invention are directed to system structured for dynamically adapted, time latency-based, cross channel data caching for performing electronic activities. The invention is structured for selective proactive data caching based on interdependency of electronic activities and transformation of cached data for transmission through a plurality of communication channels, for reducing memory and processing burdens on data caching servers and reducing turnaround time for activity execution. Specifically, the invention is configured to detect initiation of a first technology activity event by a user at a first time, and in response, determine a second interdependent technology activity event. The invention is also structured for caching second event data for the second technology activity event prior to a second time associated with initiation of the second technology activity event at a second network device associated with a second communication channel.
    Type: Grant
    Filed: October 1, 2020
    Date of Patent: March 1, 2022
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Sandeep Kumar Chauhan, Udaya Kumar Raju Ratnakaram
  • Publication number: 20220043640
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for dynamic analysis and detection of transformed transient data in a distributed system network. The system is structured for validating, determining and evaluating temporal data transformations associated with technology resource components across iterations of technology applications for maintaining backward compatibility. The system comprises an execution module structured for executing technology resource components in a plurality of testing technology environments concurrently. The system further comprises an analysis module structured for evaluating iterations of a first technology resource component by comparing the transformed first testing output with the transformed second testing output to determine modifications to the first iteration of the first technology resource component in the second iteration of the first technology resource component that succeeds the first iteration.
    Type: Application
    Filed: August 6, 2020
    Publication date: February 10, 2022
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Punit Srivastava, Jian James Chen, Prashanthi Jambula, Udaya Kumar Raju Ratnakaram, Javeed Syed
  • Patent number: 11244169
    Abstract: Embodiments of the present invention provide a system for executing multiple events in response to receiving a video and extracting identity and contact information from that video. A video showing multiple individuals associated with the multiple events is analyzed by splitting the video into individual frames and identifying unique faces in the video. A facial recognition process and an image hashing process are then applied to generate image hashes for each individual. These image hashes are then compared to known, stored image hashes to determine an identity and contact information for each individual. Once this information is collected, the system executes the multiple events based on the determined information about each individual.
    Type: Grant
    Filed: June 15, 2020
    Date of Patent: February 8, 2022
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Udaya Kumar Raju Ratnakaram, Mallidi Bhagya Lakshmi Sudha Lavanya
  • Publication number: 20220036325
    Abstract: A system configured for managing a split transaction is disclosed. The system receives a request from a first user device associated with a first user to initiate a split transaction session between the first, second, and third users. A first user device associated with the first user includes second contact information associated with the second user. A second user device associated with the second user includes third contact information associated with the third user. The system receives an API request from the first user device to retrieve a third user profile. The system sends a request to the second user device to retrieve the third user profile. The second user device retrieves the third user profile and sends it to the system. The system retrieves the second and third user profiles and adds them to the split transaction session. The system conducts the split transaction session.
    Type: Application
    Filed: July 28, 2020
    Publication date: February 3, 2022
    Inventors: Sandeep Kumar Chauhan, Udaya Kumar Raju Ratnakaram