Patents by Inventor Manu Jacob Kurian

Manu Jacob Kurian 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: 10447472
    Abstract: Systems and method for applying security measures to data sets requiring external quantum-level processing. Specifically, segmenting a data set into a plurality of data blocks/segments, such that each data block is communicated to different external entities for subsequent quantum-level computing processing of the data blocks. Once the data blocks have been quantum-level processed by the external entities and returned to the data provider/owner, the data blocks are combined to re-form the data set.
    Type: Grant
    Filed: February 21, 2017
    Date of Patent: October 15, 2019
    Assignee: BANK OF AMERICA CORPORATION
    Inventor: Manu Jacob Kurian
  • Patent number: 10440101
    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for generating and using a block chain distributed network for tracking and validating protocols and other operations associated with the transition of one or more resources from being arranged in a consolidated, privately-held structure to being arrange and/or distributed in a publicly available structure. In example implementations, the block chain database is used and updated to reflect the status degree of completion of protocols associated with the identification, characterization, and dissemination of resource characteristics and resource shares, including the fractional distribution of resource portions to effectuate the efficient transition of a resource.
    Type: Grant
    Filed: February 22, 2016
    Date of Patent: October 8, 2019
    Assignee: Bank of America Corporation
    Inventors: Manu Jacob Kurian, Darrell Johnsrud
  • Patent number: 10438209
    Abstract: Embodiments enable a block chain distributed network arrangement system for facilitating a tiered dedicated block chain configuration to provide differing combinations of functions and levels of security. The system may identify factors within received information that indicate which dedicated block chain network should be used to record the received information. The dedicated block chains may be tiered based on the importance of the received information or a customer service level of a party associated with the received information. The system allows for recording of the received information in a distinct, dedicated block chain network that is appropriately configured for the functionality and/or security requirements of the received information.
    Type: Grant
    Filed: March 31, 2016
    Date of Patent: October 8, 2019
    Assignee: Bank of America Corporation
    Inventor: Manu Jacob Kurian
  • Patent number: 10437984
    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for authentication protocol elevation triggering based on situational instance. In this regard, the invention provides a dynamic platform for structuring a robotic process automation (RPA) application for determining authentication requirements in real-time by converting a user device into a virtual workstation. The invention configures a robotic process automation application for interacting with a first user interface of the first device application to identify situational events in real time. Another aspect of the invention is directed to escalating, in real-time, a level of authentication required for the user to execute the user activity based on at least the situational event identified by the robotic process automation application.
    Type: Grant
    Filed: October 26, 2017
    Date of Patent: October 8, 2019
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Elizabeth S. Votaw, Manu Jacob Kurian, Morgan Stewart Allen
  • Patent number: 10438003
    Abstract: Embodiments for secure data storage that include systems and methods that receive, from a second system maintained by a second entity, a data payload to be stored by the system; secure the data payload at a first time; store the secured data payload; receive a request for access to the data payload; and provide certification, corresponding to a second time subsequent to the first time, that the data payload has not been altered since the first time.
    Type: Grant
    Filed: November 9, 2016
    Date of Patent: October 8, 2019
    Assignee: BANK OF AMERICA CORPORATION
    Inventor: Manu Jacob Kurian
  • Patent number: 10432663
    Abstract: Systems and method for determining for determining the type of unauthorized access that occurs when a quantum-level encrypted message is tampered with or otherwise accessed during message communication/transmission. The quantum-level encrypted message is configured to change quantum particle states in response to at least an attempt to access the message. The messages may be logically programmed such that the message records, in an encrypted block, the type of access or the type of access may correspond to a quantum particle state. In other embodiments, a neural network storing empirical data associated with previous quantum-level encrypted messages that have been accessed is analyzed to determine the type of unauthorized access and, in some embodiments, the entity, nodes or infrastructure associated with the unauthorized access.
    Type: Grant
    Filed: April 25, 2017
    Date of Patent: October 1, 2019
    Assignee: BANK OF AMERICA CORPORATION
    Inventor: Manu Jacob Kurian
  • Patent number: 10402892
    Abstract: A resource delivery system typically includes a processor, a memory, and a resource delivery module stored in the memory. The system is typically configured for: receiving a request from a first user to transfer resources to a second user; authenticating the first user to initiate the transfer of the resources; creating a virtual record and associating a record of the second user with the virtual record; transferring the resources to the virtual record via an automated channel; identifying an event and provide the second user in response to identifying the event at least one option comprising using the resources in the virtual record; and moving the resources from the virtual record via the automated channel based on identifying that the second user selected the option comprising using the resources stored in the virtual record.
    Type: Grant
    Filed: November 30, 2016
    Date of Patent: September 3, 2019
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Manu Jacob Kurian, Joseph Benjamin Castinado
  • Patent number: 10404675
    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for providing elastic authentication based on a continuum of elastic authentication credentials. In particular, the invention provides a secure platform for authorization of a user activity at least partly based on validation of the continuum of elastic authentication credentials comprising cumulative tiered elastic authentication tokens captured during an extended time period prior to initiation of a user activity. The invention provides a novel method for capturing multiple elastic authentication tokens, for example, arbitrarily during an extended time period preceding a user activity, and validating the cumulative elastic authentication tokens at a time during or after initiation of the user activity.
    Type: Grant
    Filed: August 16, 2017
    Date of Patent: September 3, 2019
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Manu Jacob Kurian, Sorin N. Cismas, James P. Scopis, Paul Grayson Roscoe, Thomas J. Durkin
  • Patent number: 10387878
    Abstract: Systems, computer program products, and methods are described herein for a system for using the block chain distributed network for managing transaction history of unbanked and underbanked users in a process data network. The present invention is configured to electronically receive an indication from a computing system associated with a first user that the first user has executed a transfer of resources with a second user; retrieve information associated with the transfer of resources from the first user; retrieve information associated with a block chain of user information associated with the first user; transmit a notification to a computing system associated with the second user to validate the transfer of resources; receive an input from the second user validating the transfer of resources; and update the block chain of user information with the validated transfer of resources based on at least receiving the input from the second user.
    Type: Grant
    Filed: February 22, 2016
    Date of Patent: August 20, 2019
    Assignee: Bank of America Corporation
    Inventors: Darrell Johnsrud, Manu Jacob Kurian
  • Publication number: 20190235921
    Abstract: A system, method and the like for allocating computing resources to data processing services/applications based on the current or foreseen usage/load of the computing resources. The elastic nature of the computing resource grid allows for expansion or contraction of ancillary use of the computing resources depending on the data processing requirements and computer resource usage. Further, virtual binary codes are deployed on the computing resources, which are executed at the application layer and configured to be removed upon completion of a job or in the event that the usage state of the computing resource dictates such. The removal of the virtual binary codes from the computing resources provides for no residual effect on the computing resources (i.e., no code remains in computing resource memory and, as such no processing capabilities are subsequently used).
    Type: Application
    Filed: January 29, 2018
    Publication date: August 1, 2019
    Inventors: Manu Jacob Kurian, Paul Grayson Roscoe
  • Patent number: 10366392
    Abstract: Embodiments of the invention are directed to systems, methods and computer program products for generating unique marker codes for security implementation and deployment during authentication required resource disbursement. In this way, marker codes may be generated and associated with one or more resource disbursement mechanisms. The marker codes may be distributed and stored at third party devices. Upon identification of an input of a marker code, a specific response may be triggered. One or more marker codes may be associated with each disbursement mechanisms triggering various levels of responses from monitoring the resource disbursement to queuing communication with third party authorities for real-time dispatch. Thus, the system creates marker codes associated with non-obvious cues that control resource disbursement.
    Type: Grant
    Filed: January 12, 2017
    Date of Patent: July 30, 2019
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Manu Jacob Kurian, Joseph Benjamin Castinado
  • Patent number: 10366582
    Abstract: Disclosed are devices, systems and the like for determining unauthorized communication of data from a card device equipped with a magnetic stripe and/or smart chip. The card device is able to count by recording the number of instances in which the card device has either been swiped at a magnetic card reader or communicated data via an embedded Integrated Circuit (IC). In specific embodiments, the device is further configured to differentiate between authorized swipes/data communications and unauthorized data communications.
    Type: Grant
    Filed: June 21, 2016
    Date of Patent: July 30, 2019
    Assignee: BANK OF AMERICA CORPORATION
    Inventor: Manu Jacob Kurian
  • Publication number: 20190207918
    Abstract: Embodiments are described herein for improved verification utilizing dynamic authentication information. Dynamic authentication may include utilizing dynamic authentication information, which is user information that is personal to the user and that changes over-time, such as over various time periods. This type of dynamic authentic information is readily known to the user, but would be difficult for others to determine. The present invention may be utilized to improve the security of the interactions made by the user due to the dynamic authentication information.
    Type: Application
    Filed: January 2, 2018
    Publication date: July 4, 2019
    Inventors: Manu Jacob Kurian, Joseph Benjamin Castinado, James P. Scopis
  • Patent number: 10341854
    Abstract: A computer terminal typically includes a retractable conduit and an actuator connected to the retractable conduit. The retractable conduit typically includes a proximal end, a distal end, and a barrier between the proximal end and the distal end. The distal end is typically configured to engage a portal of a vehicle positioned proximate to the computer terminal. The actuator is typically configured to extend the distal end of the retractable conduit away from the computer terminal and toward the portal of the vehicle. The computer terminal is typically configured to determine that the vehicle is proximate to the computer terminal; determine a location of the portal of the vehicle; and transmit a control signal that causes the actuator to extend the distal end of the retractable conduit away from the computer terminal so that the distal end engages the portal of the vehicle.
    Type: Grant
    Filed: November 30, 2016
    Date of Patent: July 2, 2019
    Assignee: Bank of America Corporation
    Inventors: Manu Jacob Kurian, Joseph Benjamin Castinado
  • Patent number: 10318938
    Abstract: Embodiments enable a system operatively connected with a block chain distributed network to use the block chain for routing of process authorization and settlement based on specified parameters. Embodiments receive a transaction record associated with a payment transaction, wherein the transaction record comprises transaction data indicating a payor, a payee and an amount; access a distributed ledger stored in the memory device, wherein the distributed ledger is updated based on communications from a block chain distributed network; determine, using the accessed distributed ledger, one or more preferences associated with the payee of the transaction data; and route at least one of the process authorization and transaction settlement based on the accessed one or more preferences. In some cases, the preferences include a settlement routing preference and the transaction settlement is routed based on the settlement routing preference.
    Type: Grant
    Filed: February 22, 2016
    Date of Patent: June 11, 2019
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Darrell Johnsrud, Manu Jacob Kurian, Michael Wuehler
  • Publication number: 20190130094
    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for authentication protocol elevation triggering based on situational instance. In this regard, the invention provides a dynamic platform for structuring a robotic process automation (RPA) application for determining authentication requirements in real-time by converting a user device into a virtual workstation. The invention configures a robotic process automation application for interacting with a first user interface of the first device application to identify situational events in real time. Another aspect of the invention is directed to escalating, in real-time, a level of authentication required for the user to execute the user activity based on at least the situational event identified by the robotic process automation application.
    Type: Application
    Filed: October 26, 2017
    Publication date: May 2, 2019
    Inventors: Elizabeth S. Votaw, Manu Jacob Kurian, Morgan Stewart Allen
  • Publication number: 20190124100
    Abstract: A system for implementing robotic process automation (RPA) to enhance computer network security. Specifically, RPA is used to detect an unauthorized attempt to access a dataset and, in response, the unauthorized entity is provided access to a bot-generated modified dataset that includes modified data elements that are reasonable facsimiles of the actual data elements and do not expose confidential data. Once access to the modified data set is provided, RPA is implemented to track actions by the unauthorized entity accessing the modified data set and, once copied, RPA is implemented to track usage of the data by the unauthorized entity. Additionally, RPA may be implemented to mitigate damages caused by attempts or actual accessing of the actual datasets by performing actions that prevent further damages, such as deactivating/activating resource storage and authorizing previously configured resource events.
    Type: Application
    Filed: October 25, 2017
    Publication date: April 25, 2019
    Inventors: Stephen Shannon, Manu Jacob Kurian, Michael Emil Ogrinz, Monika V. Kapur
  • Publication number: 20190122200
    Abstract: Embodiments of the present invention provide a system for remotely triggering execution of events by a robotic process automation system in response to detection of a triggering signal. A set of executable events or actions may be received and stored for future processing, where the set of executable events are to be executed in direct response to a remote monitoring device or beacon detecting the presence of the triggering signal as it is emitted from a mobile device. The remote monitoring device is then instructed to scan a geographic area for the triggering signal. Once the remote monitoring device detects the triggering signal, an indication of the detection is automatically transmitted to the robotic process automation system. This robotic process automation system then automatically executes one or more events from the set of executable events through communication with one or more disparate devices or systems.
    Type: Application
    Filed: October 24, 2017
    Publication date: April 25, 2019
    Inventor: Manu Jacob Kurian
  • Patent number: 10270840
    Abstract: A technology/operating system-agnostic and protocol-agnostic service delivery system that includes a unified means data movement/transfer. By unifying the delivery of such services the need to deploy numerous different technology/OS-specific and/or protocol-specific applications/services conventionally used to provide such services is obviated. The unified nature of the system, not only provides for comprehensive delivery of services, such as data movement amongst all the servers in the enterprise's network but also provides for unified management of the services delivered, such as governance control over the services, unified tracking of services delivered, unified provisioning of updates/revisions to modules, and auditing processes for services delivered.
    Type: Grant
    Filed: January 1, 2015
    Date of Patent: April 23, 2019
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Sorin N. Cismas, Manu Jacob Kurian
  • Patent number: 10268635
    Abstract: Embodiments rotate data by tokenization. Embodiments determine one or more check data fields of a check such as check number and routing number; generate a PIN based on the determined check data fields; receive user input of a user PIN; compare the generated PIN with the inputted user PIN; if the generated PIN matches the inputted user PIN, proceed with the transaction; and if the generated PIN does not match the inputted user PIN, cancel the transaction. In some cases, a point of sale terminal comprising a scanner for scanning the check to determine the one or more check data fields. In some cases, receiving user input of the user PIN comprises receiving, by a communication device of the system from a mobile device of the user, a text message, SMS message or phone call comprising the user input of a user PIN.
    Type: Grant
    Filed: June 17, 2016
    Date of Patent: April 23, 2019
    Assignee: BANK OF AMERICA CORPORATION
    Inventor: Manu Jacob Kurian