Patents by Inventor Manu Kurian

Manu 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: 20240054464
    Abstract: A method enabling processing electronic transactions received at the ATM when network connection with the central server is disrupted. The method may enable processing each electronic transaction received using an alternative data routing pathway. The alternative data routing pathway may leverage one or more edge devices within close proximity to the ATM to serve as a proxy for transmitting data to the central server. The one or more edge devices may be enabled to carry electronic transaction data from electronic transactions processed locally at the ATM to a location where a network connection between the one or more edge devices and the central server may be established. When in a location including network connection, the one or more edge devices may transmit the electronic transaction data to the central server.
    Type: Application
    Filed: August 11, 2022
    Publication date: February 15, 2024
    Inventors: Manu Kurian, Siten Sanghvi, Heather Dolan, George Albero, Maharaj Mukherjee, Kevin A. Delson
  • Publication number: 20240013190
    Abstract: A method for facilitating electronic transactions between a first mobile device and a second mobile device is provided. At a central server, when internet connection is established, the method may include receiving transaction data and prior to processing an electronic transaction based on the transaction data, verifying the electronic transaction. The verifying may include retrieving a first activity log from the first mobile device and a first browser timeout history. The method may further include retrieving from the second mobile device a second activity log and a second browser timeout history. The method may further include verifying that a first mobile application was active when a browser on the first mobile device was in timeout and that a second mobile application was active when a browser on the second mobile device was in timeout.
    Type: Application
    Filed: July 11, 2022
    Publication date: January 11, 2024
    Inventors: Heather Dolan, Manu Kurian, Maharaj Mukherjee
  • Publication number: 20240012888
    Abstract: A processor is configured to access a virtual environment comprising a plurality of virtual locations. The processor is configured to generate a primary avatar in a first virtual location based on a superset of the user data associated with a first set of the interaction criteria objects. The processor is configured to receive an interaction request from a user device for an interaction with the entity in a second virtual location. The processor is configured to generate a secondary set of user data based on the superset of the user data and the second set of the interaction criteria objects. The processor is configured to generate a secondary avatar associated with the user device in the second virtual location. The processor is further configured to conduct the interaction between the secondary avatar and the entity in the second virtual location based on the second set of the interaction criteria objects.
    Type: Application
    Filed: July 7, 2022
    Publication date: January 11, 2024
    Inventors: Jayachandra Varma, Manu Kurian, Lalit Dhawan
  • Publication number: 20240015472
    Abstract: Arrangements for generating geo-fences for automatically authenticating a user or authorizing event processing are provided. In some examples, user data associated with a location of the user or mobile device of the user may be received. Further, data associated with successful processing of an event may be received. In some arrangements, this data may be used to generate a first geo-fence. The geo-fenced area may be considered a trusted zone within which a user may be automatically authenticated and/or events may be automatically authorized and/or processed. In some examples, additional user data may be received and analyzed using machine learning to predict second or subsequent geo-fence locations. Based on the analyzed data, one or more additional geo-fences or geo-fenced areas may be generated and interlinked with the initial geo-fence.
    Type: Application
    Filed: September 21, 2023
    Publication date: January 11, 2024
    Inventor: Manu Kurian
  • Publication number: 20240004904
    Abstract: A method is provided to reduce the number of duplicates of each document that is stored within entity databases. The method may include creating discrete links and/or pointers to the location of the document already stored within an entity. The method may also include separating the document into different classification levels. The method may include storing the different parts of the documents in different locations within the entity.
    Type: Application
    Filed: June 29, 2022
    Publication date: January 4, 2024
    Inventors: George Albero, Manu Kurian, Maharaj Mukherjee, Morgan S. Allen, Naga Vamsi Krishna Akkapeddi
  • Publication number: 20230410111
    Abstract: A computing platform having at least one processor, a memory, and a communication interface may receive, via the communication interface, a transaction request from a participant. The computing platform may identify a user and one or more linked digital wallets associated with the transaction request. The computing platform then may execute an algorithm for comparing the transaction request to predetermined criteria associated with the one or more linked digital wallets. The computing platform may establish, via the communication interface, a first connection with a user computing device and, while the first connection is established, transmit to the user computing device transaction information which, when executed by the user computing device, causes a notification to be displayed on the user computing device.
    Type: Application
    Filed: August 4, 2023
    Publication date: December 21, 2023
    Applicant: Bank of America Corporation
    Inventors: Manu Kurian, Joseph Castinado
  • Patent number: 11822965
    Abstract: Systems, methods, and apparatus for machine learning task compartmentalization and classification are disclosed. An example method comprises receiving, from a first computing device, user defined parameters associated with at least one user, receiving, from a second computing device different from the first computing device, auxiliary data associated with the at least one user, generating, by a third computing device, at least one work profile based on the received user defined parameters and auxiliary data, and determining, by the third computing device, an affinity between a task component and the generated at least one work profile.
    Type: Grant
    Filed: March 18, 2021
    Date of Patent: November 21, 2023
    Assignee: Bank of America Corporation
    Inventor: Manu Kurian
  • Publication number: 20230370246
    Abstract: Aspects of the disclosure relate to processing systems for performing cross-sectional asset editing. A computing platform may receive permission to perform a first subset of event processing steps. The computing platform may delegate permission to an external event processor to perform a second subset of event processing steps and to an external resource management platform to perform a third subset of event processing steps. The computing platform may generate an element chain corresponding to the account. In response to receiving a request to process an event, the computing platform may add a sub-element to the element chain containing a fixed parameter corresponding to an expected value associated with the event and a variable parameter corresponding to an actual value associated with the event. In response to receiving a request to write the actual value to the element chain, the computing platform may modify the variable parameter of the sub-element accordingly.
    Type: Application
    Filed: July 27, 2023
    Publication date: November 16, 2023
    Inventors: Manu Kurian, Joseph Castinado
  • Patent number: 11811896
    Abstract: Arrangements for controlling data retrieval are provided. In some aspects, a data request may be received by a computing platform. A pre-fetch engine may be executed to analyze the data request and generate, using a machine learning model, a pre-fetch template identifying data sets responsive to the request. The pre-fetch template may be transmitted to one or more data repositories and response data sets may be received. The response data sets may be generated by a data controller associated with a respective data repository. The data controller may identify data sets and evaluate the date sets to determine whether they meet local requirements of the geographic location of the data repository. The received data sets may be analyzed to identify missing data sets. If missing data sets are identified, the data may be processed by ignoring the missing data sets or inserting a substitute value for the missing data sets.
    Type: Grant
    Filed: March 1, 2023
    Date of Patent: November 7, 2023
    Assignee: Bank of America Corporation
    Inventors: Manu Kurian, Padmanabhan Iyer, Paul Roscoe, Mahesh Bhashetty
  • Patent number: 11805118
    Abstract: Aspects of the disclosure relate to token-based authentication mechanism. A computing device may receive information, determined by one or more sensors systems, corresponding to a user. The user information may comprise user biological information as measured by the one or more sensor systems. The computing device may generate a token based on the received user information. The computing device may store the generated token, in a memory associated with the computing device. The computing device may transmit the token to a user token device corresponding to the user. The user token device may be used to authenticate the user.
    Type: Grant
    Filed: January 31, 2022
    Date of Patent: October 31, 2023
    Assignee: Bank of America Corporation
    Inventor: Manu Kurian
  • Patent number: 11797388
    Abstract: Systems and methods for lossless restoration of a digital system are provided. A method may include creating a digital twin of the digital system. Creating the digital twin may include constructing a digital model that replicates hardware and software components and performance metrics of the digital system. The components and the performance metrics may be detected via a plurality of edge devices. The digital model may be configured to be run on a processor to simulate performance of the digital system. The method may include receiving an indication that the digital system is disconnected from a central server, syncing the digital twin with the digital system while the digital system is disconnected from the central server, and, in response to an indication that the digital system has reconnected with the central server, syncing the central server with the digital twin.
    Type: Grant
    Filed: July 7, 2022
    Date of Patent: October 24, 2023
    Assignee: Bank of America Corporation
    Inventors: Manu Kurian, George Albero, William August Stahlhut
  • Patent number: 11800314
    Abstract: Arrangements for generating geo-fences for automatically authenticating a user or authorizing event processing are provided. In some examples, user data associated with a location of the user or mobile device of the user may be received. Further, data associated with successful processing of an event may be received. In some arrangements, this data may be used to generate a first geo-fence. The geo-fenced area may be considered a trusted zone within which a user may be automatically authenticated and/or events may be automatically authorized and/or processed. In some examples, additional user data may be received and analyzed using machine learning to predict second or subsequent geo-fence locations. Based on the analyzed data, one or more additional geo-fences or geo-fenced areas may be generated and interlinked with the initial geo-fence.
    Type: Grant
    Filed: February 16, 2021
    Date of Patent: October 24, 2023
    Assignee: Bank of America Corporation
    Inventor: Manu Kurian
  • Patent number: 11790363
    Abstract: A computing platform having at least one processor, a memory, and a communication interface may receive, via the communication interface, a transaction request from a participant. The computing platform may identify a user and one or more linked digital wallets associated with the transaction request. The computing platform then may execute an algorithm for comparing the transaction request to predetermined criteria associated with the one or more linked digital wallets. The computing platform may establish, via the communication interface, a first connection with a user computing device and, while the first connection is established, transmit to the user computing device transaction information which, when executed by the user computing device, causes a notification to be displayed on the user computing device.
    Type: Grant
    Filed: September 19, 2019
    Date of Patent: October 17, 2023
    Assignee: Bank of America Corporation
    Inventors: Manu Kurian, Joseph Castinado
  • Publication number: 20230328067
    Abstract: Aspects of the disclosure relate to controlling access to secure information resources using rotational datasets and dynamically configurable data containers. A computing platform may receive, from a requesting system, a data access request. After authenticating the requesting system, the computing platform may load, using a first data container, first source data from a data track. The computing platform may send the first source data to a second data container. Then, the computing platform may load, using the second data container, second source data from the data track and may produce a first combined dataset. The computing platform may send the first combined dataset to a third data container. Subsequently, the computing platform may load, using the third data container, third source data from the data track and may produce a second combined dataset. Thereafter, the computing platform may send, to the requesting system, the second combined dataset.
    Type: Application
    Filed: May 30, 2023
    Publication date: October 12, 2023
    Applicant: Bank of America Corporation
    Inventor: Manu Kurian
  • Patent number: 11783074
    Abstract: Aspects of the disclosure relate to controlling access to secure information resources using rotational datasets and dynamically configurable data containers. A computing platform may receive, from a first reader-writer system, a first data access request. Based on receiving the first data access request, the computing platform may authenticate the first reader-writer system using a first data container object. After authenticating the first reader-writer system, the computing platform may rotate a first data track comprising a plurality of datasets to align a first dataset of the plurality of datasets with the first data container object. After rotating the first data track, the computing platform may retrieve first information from the first dataset using the first data container object. Subsequently, the computing platform may send, to the first reader-writer system, the first information retrieved from the first dataset using the first data container object.
    Type: Grant
    Filed: September 1, 2021
    Date of Patent: October 10, 2023
    Assignee: Bank of America Corporation
    Inventor: Manu Kurian
  • Patent number: 11777870
    Abstract: Systems and methods for maximizing resource utilization in a digital communication system are provided. A method may include receiving a direction for a first one of a plurality of edge devices to execute a task, wherein the edge devices communicate with each other and with a central server via a communication network. The central server may be operated by an entity that is independent of the communication network. The plurality of edge devices may each include an authenticated software application that is provided by the entity. The method may also include calculating, via the ML engine for each of the plurality of edge devices, a predicted resource availability score, and distributing, via the central server, the task among the plurality of edge devices based on the predicted resource availability scores.
    Type: Grant
    Filed: July 8, 2022
    Date of Patent: October 3, 2023
    Assignee: Bank of America Corporation
    Inventors: Naga Vamsi Krishna Akkapeddi, Maharaj Mukherjee, George Albero, William August Stahlhut, Manu Kurian, Kevin A. Delson
  • Patent number: 11777713
    Abstract: Aspects of the disclosure relate to processing systems for performing cross-sectional asset editing. A computing platform may receive permission to perform a first subset of event processing steps. The computing platform may delegate permission to an external event processor to perform a second subset of event processing steps and to an external resource management platform to perform a third subset of event processing steps. The computing platform may generate an element chain corresponding to the account. In response to receiving a request to process an event, the computing platform may add a sub-element to the element chain containing a fixed parameter corresponding to an expected value associated with the event and a variable parameter corresponding to an actual value associated with the event. In response to receiving a request to write the actual value to the element chain, the computing platform may modify the variable parameter of the sub-element accordingly.
    Type: Grant
    Filed: June 29, 2021
    Date of Patent: October 3, 2023
    Assignee: Bank of America Corporation
    Inventors: Manu Kurian, Joseph Castinado
  • Publication number: 20230289227
    Abstract: Arrangements for forecasting data surges are presented. In some aspects, data may be received from, for instance, a computing system internal to an enterprise organization. In some examples, contextual data may be received. The contextual data may be analyzed, with the received data, to identify a score for the received data. Machine learning may be used to identify or determine the score. In some examples, additional data may be received via a plurality of data streams. The additional data may be analyzed to identify topics or trends in data. The topics or trends may be used to identify potential data surges. Machine learning may be used to analyze the data and forecast a potential data surge. In response to forecasting a potential data surge, one or more computing and/or data storage resources may be identified, configured, and deployed to accommodate the forecast potential data surge.
    Type: Application
    Filed: March 11, 2022
    Publication date: September 14, 2023
    Inventors: Manu Kurian, Albena N. Fairchild, Aeric John Solow
  • Publication number: 20230289651
    Abstract: Aspects of the disclosure relate to an information reduction platform. The information reduction platform may generate data silos within a distributed ledger system. The information reduction platform may receive a data use case request from a client device corresponding to a first user. The information reduction platform may identify relevant data silos corresponding to the data use case request. The information reduction platform may direct the distributed ledger system to grant the client device access to the relevant data silos. The information reduction platform may monitor the efficiency of the relevant data silos. The information reduction platform may generate data velocity values (DVVs) for each relevant data silo. The information reduction platform may train a machine learning model to select a subset of relevant data silos for a particular data use case. The information reduction platform may create an iterative feedback loop to update the first machine learning model.
    Type: Application
    Filed: March 9, 2022
    Publication date: September 14, 2023
    Inventors: Manu Kurian, Albena N. Fairchild
  • Publication number: 20230289325
    Abstract: Arrangements for controlling data relations and data redundancies are presented. In some aspects, data may be received from a plurality of sources. The data may then be analyzed to determine a score or value associated with the data. Machine learning may be used to analyze the data and/or determine the score associated with the data. In some examples, a type of data may be identified. Based on the type of data, and the data, one or more connections to other data or types of data may be identified. In some examples, the data, as well as any identified connections, any determined score, and the like may be stored in a data container associated with the identified type of data. Stored data may be analyzed to determine whether one or more redundancies exist. If one or more redundancies are identified, one or more data redundancy actions may be identified and executed.
    Type: Application
    Filed: March 9, 2022
    Publication date: September 14, 2023
    Inventors: Manu Kurian, Albena N. Fairchild, Aeric John Solow