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).

  • Publication number: 20190066099
    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for providing inline authorization structuring for activity data transmissions. In particular, the invention provides a secure platform for transmission of activity data associated with an electronic activity and performance of the electronic activity at a recipient system based on inserting an encoded authorization instruction into inline activity data. The encoded authorization instruction comprises a processing instruction required for processing an associated activity data string. The invention provides a novel method for encoding authorization instructions associated with activity data strings. Another aspect of the invention is directed to constructing an inline activity data set configured for secure transmission to a recipient system, for performing an electronic activity associated with the inline activity data set at the recipient system.
    Type: Application
    Filed: August 31, 2017
    Publication date: February 28, 2019
    Inventors: Manu Jacob Kurian, Paul Grayson Roscoe, Alex Yi-Shiou Yang
  • Publication number: 20190058700
    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: Application
    Filed: August 16, 2017
    Publication date: February 21, 2019
    Inventors: Manu Jacob Kurian, Sorin N. Cismas, James P. Scopis, Paul Grayson Roscoe, Thomas J. Durkin
  • Patent number: 10210485
    Abstract: Systems, computer program products, and methods are described herein for resource manager entity device security and maintenance. The present invention is configured to identify an issue with a resource and notify all other resources across the entity and customers of the entity that the resource is experiencing an issue; determine that an account is involved in a counterfeit activity and notify all other resources across the entity to deny further activity associated with the account; determine that the first resource is experiencing an issue and send fixes to the first resource and all other resources located within a predetermined distance from the first resource.
    Type: Grant
    Filed: June 17, 2016
    Date of Patent: February 19, 2019
    Assignee: Bank of America Corporation
    Inventor: Manu Jacob Kurian
  • Publication number: 20190043023
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for inter-entity resource validation authentication. In this way, the system may validate in real-time a resource distribution. The system may confirm the accuracy and authentication of a resource distribution. In this way, the system identifies via system integration resource distribution origination and stores network attributes associated therewith. The system may integrate into receiving entities and generate scanning of the resource distribution when received at a receiving institution. The system may perform hash algorithm review of the network attributes for the drafted distribution to the received distribution for validation, in real-time, of the resource distribution.
    Type: Application
    Filed: August 4, 2017
    Publication date: February 7, 2019
    Inventors: Manu Jacob Kurian, Joseph Benjamin Castinado
  • Patent number: 10178105
    Abstract: Embodiments enable a system to determine, authorize, and adjust access, writing, retrieval, and validation rights of users and entities associated with one or more distributed block chain networks. The system is capable of receiving an authorization request from a user to conduct an action associated with the block chain distributed network, determine a security level associated with the user, and either authorize or screen the user from conducting the action based on the determined security level. The system may adjust the security level of the user by requesting and receiving additional authorization credentials from the user. Furthermore, the system may adjust the security level of one or more users based on security or functionality needs of the block chain distributed network.
    Type: Grant
    Filed: February 22, 2016
    Date of Patent: January 8, 2019
    Assignee: Bank of America Corporation
    Inventors: Manu Jacob Kurian, Joseph Benjamin Castinado
  • Patent number: 10158703
    Abstract: Embodiments of the present invention provide utilizing a distributed network of systems for allocating and transferring resources between entities (e.g., users, institutions, or the like) by providing holds (e.g., soft or hard) on the resources, allocating the resources, and transferring the resources by utilizing allocation identifiers and/or holding pools, if needed. The use of allocation identifiers and/or holds on the resources improves upon the processing speeds and power of systems used for the resource transfers between entities.
    Type: Grant
    Filed: June 10, 2016
    Date of Patent: December 18, 2018
    Assignee: BANK OF AMERICA CORPORATION
    Inventor: Manu Jacob Kurian
  • Publication number: 20180357423
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for layering authorization of resource distribution documents within an entity. In this way, the invention generates a multi-step layering process for resource distribution document generation. As such, each individual involved in resource distribution document generation process may add a unique layer to the resource distribution document prior to being authorized for use. Once the several layers have all been applied to the resource distribution document, the document becomes authenticated and approved for use. In some embodiments, the layers may include physical layers on the resource distribution document, such as account numbers, signature lines or the like. In some embodiments, the layers may include digital layers that combine to create a digital or physical marking on the resource distribution document identifying authentication for depositing.
    Type: Application
    Filed: June 13, 2017
    Publication date: December 13, 2018
    Inventors: Manu Jacob Kurian, Joseph Benjamin Castinado
  • Patent number: 10142347
    Abstract: A distributed block chain network having at least a private block chain portion, and in some cases a public block chain portion, allows users to take actions (e.g., accessing, viewing, storing, disseminating, validating, or the like) with respect to event information associated with events. In some aspects of the invention the distributed block chain network with the private block chain portion may be utilized to verify events and separate the private information associated with the events from the public information associated with the events. As such, the present invention provides systems for centralized control of secure access to process data networks by utilizing a private block chain; and moreover, provide systems for control of secure access and communication with different process data networks with different security requirements by utilizing one or more block chains with private block chain portions and/or public block chain portions.
    Type: Grant
    Filed: April 4, 2016
    Date of Patent: November 27, 2018
    Assignee: BANK OF AMERICA CORPORATION
    Inventor: Manu Jacob Kurian
  • Patent number: 10140470
    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 the status of distributed portions of a finite resource and the obligations of users to return portions of the finite resource. In example implementations, the block chain database comprises a distributed ledger that is updated to reflect the status and availability of particular portions of the finite resource, including the fractional return of resource portions by users to whom such portion had previously been assigned. Example implementations also implement the use of queries to the block chain to validate requests for access to particular portions of a finite resource, determine the availability of the portion and verify the satisfaction of resource-return obligations incurred by users.
    Type: Grant
    Filed: February 22, 2016
    Date of Patent: November 27, 2018
    Assignee: Bank of America Corporation
    Inventors: Manu Jacob Kurian, Darrell Johnsrud
  • Patent number: 10142312
    Abstract: Systems, computer program products, and methods are described herein for a system for establishing secure access for users in a process data network. The present invention is configured to create a block chain of resource information based on at least aggregated information associated with past transfer of resources executed by an entity; analyze the block chain of resource information to determine a pattern associated with the past transfer of resources executed by the entity; receive an indication that the entity has executed a transfer of resources; receive information associated with the transfer of resources; compare the information associated with the transfer of resources with the pattern associated with the past transfer of resources executed by the entity to determine a match; and allow the execution of the transfer of resources.
    Type: Grant
    Filed: February 22, 2016
    Date of Patent: November 27, 2018
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Darrell Johnsrud, Manu Jacob Kurian, Michael Wuehler
  • Publication number: 20180336646
    Abstract: Aspects of the present disclosure are directed to electronic computer implemented tracking method and system for an article of manufacture. In one aspect, a plurality of computer readable records are electronically maintained and stored in a computer readable database. In one step, a temporary virtual record is generated with EDI data payload including a transaction record attribute, a location transfer request attribute for designating a transfer location of an article of manufacture, and a recipient user biometric ID attribute. Next, electronically via data communications network tunnel, EDI data payload representative of the transaction record attribute and the location transfer request attribute is transmitted; and responsive to the location transfer request attribute, via the computer-based data communications network, the system transmits EDI data payload representative of an exchange zone attribute for designating a physical zone for exchanging said article of manufacture.
    Type: Application
    Filed: May 18, 2017
    Publication date: November 22, 2018
    Inventor: Manu Jacob Kurian
  • Publication number: 20180338056
    Abstract: Systems for controlling access to documents including sensitive information and/or sensitive information are provided. In some examples, a system, computing platform, or the like, may receive a command to print a document or generate a photocopy of a document. The computing platform may analyze the document to determine whether the document includes sensitive information. If not, a first ink source, first paper source, first output destination, or the like, may be identified for use in printing the document. If so, a second, different ink source, paper source, and/or output destination may be identified for use in printing the document. The computing platform may then transmit an instruction to the printing, copying, scanning, or the like, device to print the document using the identified ink source, paper source, and/or output destination.
    Type: Application
    Filed: May 16, 2017
    Publication date: November 22, 2018
    Inventor: Manu Jacob Kurian
  • Patent number: 10135870
    Abstract: A closed-loop system is operatively connected with a block chain distributed network for using the block chain distributed network for facilitating operation of a transaction record sharing system between member institutions comprising a host system and a source system. Host and source institutions function to share the transaction records from member institutions such that a host institution that is a member of the block chain may obtain the transaction records of all source institutions of the block chain. The transaction records are validated on the block chain such that the transaction records are secure represent a source of truth.
    Type: Grant
    Filed: February 22, 2016
    Date of Patent: November 20, 2018
    Assignee: Bank of America Corporation
    Inventors: Joseph Benjamin Castinado, Richard Huw Thomas, Manu Jacob Kurian, Eric Eugene Sifford
  • Patent number: 10127400
    Abstract: Embodiments of the invention are directed to a control device for aggregation of machine-initiated resource distribution. The invention is a control device that links user associated smart devices. The control device generates code to extract data from the smart devices and control the communications disseminated from and received by the smart device from third parties. In this way, the control device prevents smart devices from communicating with third party systems and from third party systems from communicating directly with the smart devices. Thus, fixing the technical challenges within a current network including the need to consolidate and aggregate data across smart devices associated with the user, the need to control and manage the flow of data packets from smart devices to third parties (privacy, filtering, protection), and the need to easily track and refresh an inventory of smart devices.
    Type: Grant
    Filed: September 26, 2016
    Date of Patent: November 13, 2018
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Joseph Benjamin Castinado, Stephen A. Corrado, Victoria L. Dravneek, Manu Jacob Kurian, Phillip Wade Mork, Evan Sachs, Alicia C. Jones-McFadden, Matthew Hsieh, Michael Emil Ogrinz
  • Patent number: 10129238
    Abstract: A distributed block chain network having at least a private block chain portion, and in some cases a public block chain portion, allows users to take actions (e.g., accessing, viewing, storing, disseminating, validating, or the like) with respect to event information associated with events. In some aspects of the invention the distributed block chain network with the private block chain portion may be utilized to verify events and separate the private information associated with the events from the public information associated with the events. As such, the present invention provides systems for centralized control of secure access to process data networks by utilizing a private block chain; and moreover, provide systems for control of secure access and communication with different process data networks with different security requirements by utilizing one or more block chains with private block chain portions and/or public block chain portions.
    Type: Grant
    Filed: February 22, 2016
    Date of Patent: November 13, 2018
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Manu Jacob Kurian, Darrell Johnsrud
  • Publication number: 20180324321
    Abstract: Embodiments of the invention are directed to a device that physically imprints a paper resource distribution document for verification and authenticity purposes. In this way, the device links to a user network and associates with resource distributions available for the user. Upon authorization of the user into the device, the device may receive input from a user, including an amount for the paper resource distribution document. Upon receiving the information from the user, the device activates and prints a resource distribution document with at least a portion of the paper resource distribution document printed with dimpled or embossed characters. As such, the dimpled or embossed character recognition at distribution of the resource distribution document confirms the paper resource distribution document's authenticity.
    Type: Application
    Filed: May 8, 2017
    Publication date: November 8, 2018
    Inventors: Manu Jacob Kurian, Joseph Benjamin Castinado
  • Patent number: 10122889
    Abstract: Embodiments of the invention are directed to a device that physically imprints a paper resource distribution document for verification and authenticity purposes. In this way, the device links to a user network and associates with resource distributions available for the user. Upon authorization of the user into the device, the device may receive input from a user, including an amount for the paper resource distribution document. Upon receiving the information from the user, the device activates and prints a resource distribution document with at least a portion of the paper resource distribution document printed with dimpled or embossed characters. As such, the dimpled or embossed character recognition at distribution of the resource distribution document confirms the paper resource distribution document's authenticity.
    Type: Grant
    Filed: May 8, 2017
    Date of Patent: November 6, 2018
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Manu Jacob Kurian, Joseph Benjamin Castinado
  • Publication number: 20180316588
    Abstract: Aspects of the disclosure provide effective, efficient, scalable, and convenient technical solutions that address and overcome technical challenges associated with transferring data files in a distributed network having multiple data sources and multiple data destinations. In some examples, a computer system, device, platform, or the like is configured to control the data transfers between other computing systems, devices, platforms, or the like in a computing environment. Controlling the data transfer includes, in some examples, detecting the data transfer between a data source and a data destination, evaluating a data transfer condition associated with the data transfer, determining a data transfer instruction based, at least in part, on the data transfer condition, and providing the data transfer instruction to the data source. The data source then transfers the data to the data destination in accordance with the data transfer instruction.
    Type: Application
    Filed: May 1, 2017
    Publication date: November 1, 2018
    Inventors: Jerzy Miernik, Manu Jacob Kurian, Qishan Cai, Lixian Huang, Saritha Prasad Vrittamani
  • Publication number: 20180309572
    Abstract: Systems and method for insuring that messages that are quantum-level encrypted are properly communicated to an intended recipient. Specifically, embodiments of the present invention provide for changing the state of a quantum particle, which corrupts the data in the message, in response to the message being tampered with during transmission.
    Type: Application
    Filed: April 25, 2017
    Publication date: October 25, 2018
    Inventor: Manu Jacob Kurian
  • Publication number: 20180308002
    Abstract: Systems for predicting system issues impacting one or more systems, devices, and/or applications are provided. A computing platform may generate one or more machine learning datasets. The one or more machine learning datasets may be generated based on data from various sources. In some arrangements, a content data stream may be received from one or more systems and may include current condition data associated with the system. The content data stream and/or other data may be compared to one or more machine learning datasets to predict a likelihood of an issue occurring or impacting one or more systems. If an issue is likely to occur, a monitoring rate may be adjusted in an effort to detect any issues as early as possible to enable remediation of the issues as quickly as possible. If an issue is not likely to occur, the monitoring rate or other setting may be maintained.
    Type: Application
    Filed: April 20, 2017
    Publication date: October 25, 2018
    Inventors: Manu Jacob Kurian, Qishan Cai, Lixian Huang, Jerzy Miernik, Saritha Prasad Vrittamani