Patents by Inventor Malathi Jivan
Malathi Jivan 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: 20230274243Abstract: The present technology can integrate online transaction requests across different combinations of online applications to streamline approvals. A software connector is integrated to retrieve necessary information from digital banking applications, such that an approval process remains in a single application interface (e.g., of a merchant website or online application). The software connector polls for a notification from a respective banking application and presents the notification in a lightbox on the merchant website or application.Type: ApplicationFiled: February 14, 2023Publication date: August 31, 2023Inventors: Malathi Jivan, Eric Foust, Gustavo Varejao
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Patent number: 11722904Abstract: In general, apparatuses, methods and computer program products for construction and detection of spatial movements in a virtual reality (VR) space for performance of electronic activities are disclosed. A VR composite credential authentication device is provided that is configured is structured for capturing, customizing and transforming one or more VR composite credentials of a user and authenticating electronic activities based on at least the VR composite credentials. The VR composite credentials of the user are captured using one or more VR spatial sensor devices which are configured for capture and imaging of VR spatial movement and position credentials. The captured credentials are analyzed to determine an associated electronic activity. The electronic activity is initiated, automatically, in response to the successful validation of the captured credentials. Moreover, the invention allows for setting-up an infinitely customizable library of registered VR composite credentials.Type: GrantFiled: December 20, 2022Date of Patent: August 8, 2023Assignee: BANK OF AMERICA CORPORATIONInventors: Justin Riley duPont, Heather Roseann Dolan, Michael Donohue, Tony England, Lindsay Higgins, Malathi Jivan, Christina Ann Lillie
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Publication number: 20230245107Abstract: Example embodiments provide a multi-currency cart and checkout. In example embodiments, a currency accepted and a payment option for each item in a multi-currency cart is identified. A plurality of currency groups is generated based on the currency and payment options, whereby each currency group comprises one or more items having a same payment option and accepting a same currency. A multi-currency checkout user interface (UI) is presented on a client device that presents the plurality of currency groups and a pay selector for each of the plurality of the currency groups. An updated multi-currency checkout UI is presented in response to processing payment for a selected one of the plurality of currency groups. The updated multi-currency UI comprises a confirmation for payment for the selected one of the plurality of currency groups and remaining currency groups of the plurality of currency groups.Type: ApplicationFiled: April 12, 2023Publication date: August 3, 2023Inventors: Malathi Jivan, Mica Merce
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Patent number: 11657388Abstract: Example embodiments provide a multi-currency cart and checkout. In example embodiments, a currency accepted and a payment option for each item in a multi-currency cart is identified. A plurality of currency groups is generated based on the currency and payment options, whereby each currency group comprises one or more items having a same payment option and accepting a same currency. A multi-currency checkout user interface (UI) is presented on a client device that presents the plurality of currency groups and a pay selector for each of the plurality of the currency groups. An updated multi-currency checkout UI is presented in response to processing payment for a selected one of the plurality of currency groups. The updated multi-currency UI comprises a confirmation for payment for the selected one of the plurality of currency groups and remaining currency groups of the plurality of currency groups.Type: GrantFiled: November 23, 2021Date of Patent: May 23, 2023Assignee: EBAY INC.Inventors: Malathi Jivan, Mica Merce
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Publication number: 20230123523Abstract: In general, apparatuses, methods and computer program products for construction and detection of spatial movements in a virtual reality (VR) space for performance of electronic activities are disclosed. A VR composite credential authentication device is provided that is configured is structured for capturing, customizing and transforming one or more VR composite credentials of a user and authenticating electronic activities based on at least the VR composite credentials. The VR composite credentials of the user are captured using one or more VR spatial sensor devices which are configured for capture and imaging of VR spatial movement and position credentials. The captured credentials are analyzed to determine an associated electronic activity. The electronic activity is initiated, automatically, in response to the successful validation of the captured credentials. Moreover, the invention allows for setting-up an infinitely customizable library of registered VR composite credentials.Type: ApplicationFiled: December 20, 2022Publication date: April 20, 2023Applicant: BANK OF AMERICA CORPORATIONInventors: Justin Riley duPont, Heather Roseann Dolan, Michael Donohue, Tony England, Lindsay Higgins, Malathi Jivan, Christina Ann Lillie
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Patent number: 11606697Abstract: In general, apparatuses, methods and computer program products for construction and detection of spatial movements in a virtual reality (VR) space for performance of electronic activities are disclosed. A VR composite credential authentication device is provided that is configured is structured for capturing, customizing and transforming one or more VR composite credentials of a user and authenticating electronic activities based on at least the VR composite credentials. The VR composite credentials of the user are captured using one or more VR spatial sensor devices which are configured for capture and imaging of VR spatial movement and position credentials. The captured credentials are analyzed to determine an associated electronic activity. The electronic activity is initiated, automatically, in response to the successful validation of the captured credentials. Moreover, the invention allows for setting-up an infinitely customizable library of registered VR composite credentials.Type: GrantFiled: August 3, 2020Date of Patent: March 14, 2023Assignee: BANK OF AMERICA CORPORATIONInventors: Justin Riley duPont, Heather Roseann Dolan, Michael Donohue, Tony England, Lindsay Higgins, Malathi Jivan, Christina Ann Lillie
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Patent number: 11587079Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for a single degree tiered bracket matrix for secure digital resource distribution across a digital resource distribution network. In this way, the invention interrupts a digital resource distribution network and displays a tiered bracket matrix for a user to select from on the digital resource distribution network application. The tiered bracket matrix is determined by matching database points with an overlayed, timestamped, resource distribution network distributions for prepopulating of the matrix. Upon matching a user device contact hash value, the system may interrupt a resource distribution network application and splice in recommended users for resource distribution via the resource distribution network application in a tiered matrix display.Type: GrantFiled: March 24, 2021Date of Patent: February 21, 2023Assignee: BANK OF AMERICA CORPORATIONInventors: Malathi Jivan, Kathleen Miranda Brand, Michael Donohue, Justin Riley duPont, Christina Ann Lillie, Jay Derek Prokupek, Yash Sharma
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Publication number: 20220309498Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for a single degree tiered bracket matrix for secure digital resource distribution across a digital resource distribution network. In this way, the invention interrupts a digital resource distribution network and displays a tiered bracket matrix for a user to select from on the digital resource distribution network application. The tiered bracket matrix is determined by matching database points with an overlayed, timestamped, resource distribution network distributions for prepopulating of the matrix. Upon matching a user device contact hash value, the system may interrupt a resource distribution network application and splice in recommended users for resource distribution via the resource distribution network application in a tiered matrix display.Type: ApplicationFiled: March 24, 2021Publication date: September 29, 2022Applicant: BANK OF AMERICA CORPORATIONInventors: Malathi Jivan, Kathleen Miranda Brand, Michael Donohue, Justin Riley duPont, Christina Ann Lillie, Jay Derek Prokupek, Yash Sharma
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Patent number: 11374976Abstract: Embodiments of the present invention provide systems and methods for authentication of users and authorization of user actions, and distribution or transfer of resources based on multi-channel input via a user device or one or more auxiliary user devices, such as smart home devices. The system is further configured to perform one or more user activities, in an integrated manner, within a single interface of the user device, without requiring the user to operate disparate applications. Furthermore, the system is configured to receive user input through multiple communication channels such as a textual communication channel and an audio communication channel and store unique user patterns to form an authentication baseline for subsequent user communications.Type: GrantFiled: October 15, 2019Date of Patent: June 28, 2022Assignee: BANK OF AMERICA CORPORATIONInventors: Christina Lillie, Justin Riley DuPont, Malathi Jivan, Heather Dolan, Poppy Marie Kimball
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Patent number: 11314848Abstract: Embodiments of the invention are directed to a system, method, and computer program product for dynamically appending and transforming static activity data transmitted to a user device application. In particular, the invention provides a secure platform for dynamic restructuring and inter-connection of inline activity data. The system first determines that a first user, via a first networked device, has initiated a first electronic activity. The system then constructs and transmits a first static activity data set to a second resource application of the second networked device associated with the second user. The system then alters the transmitted first static activity data set of the first electronic activity, in response to the second user modifying an activity parameter item of the first electronic activity, in situ, prior to finalization authorization processing of the first electronic activity by a recipient system, without requiring initialization of an additional electronic activity.Type: GrantFiled: August 30, 2019Date of Patent: April 26, 2022Assignee: BANK OF AMERICA CORPORATIONInventors: Christina Ann Lillie, Justin Riley DuPont, Malathi Jivan, Heather Dolan, Poppy Marie Kimball
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Publication number: 20220084016Abstract: Example embodiments provide a multi-currency cart and checkout. In example embodiments, a currency accepted and a payment option for each item in a multi-currency cart is identified. A plurality of currency groups is generated based on the currency and payment options, whereby each currency group comprises one or more items having a same payment option and accepting a same currency. A multi-currency checkout user interface (UI) is presented on a client device that presents the plurality of currency groups and a pay selector for each of the plurality of the currency groups. An updated multi-currency checkout UI is presented in response to processing payment for a selected one of the plurality of currency groups. The updated multi-currency UI comprises a confirmation for payment for the selected one of the plurality of currency groups and remaining currency groups of the plurality of currency groups.Type: ApplicationFiled: November 23, 2021Publication date: March 17, 2022Inventors: Malathi Jivan, Mica Merce
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Publication number: 20220038891Abstract: In general, apparatuses, methods and computer program products for construction and detection of spatial movements in a virtual reality (VR) space for performance of electronic activities are disclosed. A VR composite credential authentication device is provided that is configured is structured for capturing, customizing and transforming one or more VR composite credentials of a user and authenticating electronic activities based on at least the VR composite credentials. The VR composite credentials of the user are captured using one or more VR spatial sensor devices which are configured for capture and imaging of VR spatial movement and position credentials. The captured credentials are analyzed to determine an associated electronic activity. The electronic activity is initiated, automatically, in response to the successful validation of the captured credentials. Moreover, the invention allows for setting-up an infinitely customizable library of registered VR composite credentials.Type: ApplicationFiled: August 3, 2020Publication date: February 3, 2022Applicant: BANK OF AMERICA CORPORATIONInventors: Justin Riley duPont, Heather Roseann Dolan, Michael Donohue, Tony England, Lindsay Higgins, Malathi Jivan, Christina Ann Lillie
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Patent number: 11200567Abstract: Example embodiments provide a multi-currency cart and checkout. In example embodiments, a currency accepted and a payment option for each item in a multi-currency cart is identified. A plurality of currency groups is generated based on the currency and payment options, whereby each currency group comprises one or more items having a same payment option and accepting a same currency. A multi-currency checkout user interface (UI) is presented on a client device that presents the plurality of currency groups and a pay selector for each of the plurality of the currency groups. An updated multi-currency checkout UI is presented in response to processing payment for a selected one of the plurality of currency groups. The updated multi-currency UI comprises a confirmation for payment for the selected one of the plurality of currency groups and remaining currency groups of the plurality of currency groups.Type: GrantFiled: March 23, 2020Date of Patent: December 14, 2021Assignee: eBay Inc.Inventors: Malathi Jivan, Mica Merce
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Publication number: 20210256489Abstract: A system for automated resource transfers based on predictive electronic data analysis is provided. In particular, the system may continuously track data (e.g., as historical data) that may be sent between two entities, where the data may include resource transfer data. Based on the parameters of the resource transfer data, the system may identify a pattern within the historical data in order to set up a recurring resource transfer based on the identified pattern. In this way, the system may increase the efficiency of resource transfers executed across entities.Type: ApplicationFiled: February 19, 2020Publication date: August 19, 2021Applicant: Bank of America CorporationInventors: Malathi Jivan, Poppy Marie Kimball, Thomas Elliott, Audrey L. Longfellow, Heather Roseann Dolan, Christina Ann Lillie, Justin Riley duPont
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Publication number: 20210174369Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for linked resource interactions utilizing enhanced peer-to-peer applications. In particular, the system may continuously collect resource transfer data associated with a user or resource actions conducted using a peer-to-peer payment application, and may assign a unique transaction token identifier to a specific resource action to later identify, reverse, alter, or cancel the specific resource action. In this way, the system may provide an efficient and streamlined way to execute resource actions such as refunds using a single transaction identifier, and enhance the security and integrity of peer-to-peer payment networks by ensuring resource transfers are routed to the appropriate resource accounts.Type: ApplicationFiled: December 5, 2019Publication date: June 10, 2021Applicant: BANK OF AMERICA CORPORATIONInventors: Christina A. Lillie, Justin Riley DuPont, Malathi Jivan, Heather Dolan, Poppy Marie Kimball
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Publication number: 20210158253Abstract: A system provides a way to execute automatic and/or recurring resource transfers using predictive electronic data analysis. In particular, the system may continuously collect resource transfer data associated with a user. Based on the collected resource transfer data, the system may extract resource transfer patterns and subsequently generate a prediction of a resource transfer to occur in the future. In this regard, the system may use a scoring algorithm to calculate the degree of correlations between certain resource transfers. The system may then transmit one or more recommendations regarding the predicted resource transfer to the user. In this way, the system may provide an efficient way to execute resource transfers.Type: ApplicationFiled: November 21, 2019Publication date: May 27, 2021Applicant: Bank of America CorporationInventors: Heather Roseann Dolan, Christina Lillie, Justin Riley duPont, Malathi Jivan, Poppy Marie Kimball
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Publication number: 20210119937Abstract: Embodiments of the present invention provide a system for consolidating and processing multiple resource requests. The system is configured for receiving at least two resource requests from a first user, identifying that the at least two resource requests are associated with a second user, consolidating the at least two resource requests, and processing the consolidated at least two resource requests.Type: ApplicationFiled: October 17, 2019Publication date: April 22, 2021Applicant: BANK OF AMERICA CORPORATIONInventors: Christina Ann Lillie, Heather Roseann Dolan, Justin Riley duPont, Malathi Jivan
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Publication number: 20210112098Abstract: Embodiments of the present invention provide systems and methods for authentication of users and authorization of user actions, and distribution or transfer of resources based on multi-channel input via a user device or one or more auxiliary user devices, such as smart home devices. The system is further configured to perform one or more user activities, in an integrated manner, within a single interface of the user device, without requiring the user to operate disparate applications. Furthermore, the system is configured to receive user input through multiple communication channels such as a textual communication channel and an audio communication channel and store unique user patterns to form an authentication baseline for subsequent user communications.Type: ApplicationFiled: October 15, 2019Publication date: April 15, 2021Applicant: BANK OF AMERICA CORPORATIONInventors: Christina Lillie, Justin Riley DuPont, Malathi Jivan, Heather Dolan, Poppy Marie Kimball
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Publication number: 20210067460Abstract: Embodiments of the invention are directed to a system, method, and computer program product for dynamically appending and transforming static activity data transmitted to a user device application. In particular, the invention provides a secure platform for dynamic restructuring and inter-connection of inline activity data. The system first determines that a first user, via a first networked device, has initiated a first electronic activity. The system then constructs and transmits a first static activity data set to a second resource application of the second networked device associated with the second user. The system then alters the transmitted first static activity data set of the first electronic activity, in response to the second user modifying an activity parameter item of the first electronic activity, in situ, prior to finalization authorization processing of the first electronic activity by a recipient system, without requiring initialization of an additional electronic activity.Type: ApplicationFiled: August 30, 2019Publication date: March 4, 2021Applicant: BANK OF AMERICA CORPORATIONInventors: Christina Ann Lillie, Justin Riley DuPont, Malathi Jivan, Heather Dolan, Poppy Marie Kimball
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Publication number: 20200226590Abstract: Example embodiments provide a multi-currency cart and checkout. In example embodiments, a currency accepted and a payment option for each item in a multi-currency cart is identified. A plurality of currency groups is generated based on the currency and payment options, whereby each currency group comprises one or more items having a same payment option and accepting a same currency. A multi-currency checkout user interface (UI) is presented on a client device that presents the plurality of currency groups and a pay selector for each of the plurality of the currency groups. An updated multi-currency checkout UI is presented in response to processing payment for a selected one of the plurality of currency groups. The updated multi-currency UI comprises a confirmation for payment for the selected one of the plurality of currency groups and remaining currency groups of the plurality of currency groups.Type: ApplicationFiled: March 23, 2020Publication date: July 16, 2020Inventors: Malathi Jivan, Mica Merce