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).

  • Patent number: 12380070
    Abstract: Aspects of the disclosure relate to logical map generation and injection. A computing platform may train a key value engine to assign logical map data priority values based on data use cases. The computing platform may receive first data and a first use case, which the computing platform may input into the key value engine to produce the logical map data priority values for the first data. The computing platform may generate, based on the logical map data priority values, a logical map for the first data. The computing platform may modify the first data by embedding, into a header of the first data, the logical map. The computing platform may send, to a recipient computing device, a portion of the modified first data and one or more commands to re-assemble the first data using the logical map stored in the portion of the modified first data.
    Type: Grant
    Filed: April 30, 2024
    Date of Patent: August 5, 2025
    Assignee: Bank of America Corporation
    Inventors: Manu Kurian, Albena N. Fairchild
  • Patent number: 12380233
    Abstract: A method for enabling continuity of access to a primary dataset stored in a computer network is provided. The method utilizes a node, a computer processor, and non-transitory computer-readable media storing computer-executable instructions. The node is connected to the computer network. The method includes configuring the mobile device for wireless connection to the computer network. The method includes configuring the mobile device to receive indication that the node is disconnected from the computer network and transmit a copy of the primary dataset or a portion thereof from the computer network to the node. The method includes configuring the node to enable operations on the dataset copy and keep a record of them. The method includes configuring the node to receive indication that the node is connected to the computer network and transmit the record to the computer network.
    Type: Grant
    Filed: June 1, 2023
    Date of Patent: August 5, 2025
    Assignee: Bank of America Corporation
    Inventors: Ion Freeman, Manu Kurian, Ganesh Bonda, Aeric Solow, Sasikumar Purushothaman
  • Patent number: 12361323
    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: Grant
    Filed: March 9, 2022
    Date of Patent: July 15, 2025
    Assignee: Bank of America Corporation
    Inventors: Manu Kurian, Albena N. Fairchild
  • Publication number: 20250217458
    Abstract: Systems, methods, and apparatus are provided for tracking user interactions in a quantum system. An authentication persona may be routed to a quantum processor. The quantum processor may generate a virtual quantum channel. The virtual quantum channel may execute multiple attribute-based authentication chains concurrently. The quantum processor may dynamically change the attributes in the authentication chains for the duration of a user session. The quantum processor may substantially continuously validate the attributes in each chain for the duration of the user session. The quantum processor may map the virtual authentication channel to a potential state of quantum information. In some embodiments, the system may automatically scale the quantum processor during an authentication task by adding additional quantum circuits to each quantum thread when the authentication task has a duration that is longer than a threshold duration and/or a volume that is larger than a threshold volume.
    Type: Application
    Filed: January 1, 2024
    Publication date: July 3, 2025
    Inventors: Michael Young, Manu Kurian, Ana Maxim
  • Patent number: 12346418
    Abstract: Systems and Method are provided for an Anti-Pattern Captcha. Methods may include AI software receiving a request from a user to access a system or website, the request comprising user credentials. Methods may include the AI software identifying a human user associated with the user credentials. Methods may include the AI software compiling data related to a plurality of unique behavior patterns associated with the human user when interacting online. Methods may include the AI software analyzing the compiled data to establish the unique behavior patterns. Methods may include the AI software presenting a challenge to the user. Methods may include the AI software verifying that the user is the human user upon a response to the challenge that deviates from at least one of the unique behavior patterns. Methods may include the AI software prompting the user to interact with the system or website upon verification.
    Type: Grant
    Filed: July 17, 2023
    Date of Patent: July 1, 2025
    Assignee: Bank of America Corporation
    Inventors: Manu Kurian, Ana Maxim, Vinesh Patel, Michael Young
  • Patent number: 12326836
    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 including data use parameters may be received. The received plurality of data sets may be analyzed to determine whether a triggering action has occurred. If a triggering action has occurred, one or more data modification functions may be performed. For instance, data may be deleted, prevented from further processing, or the like, in response to detection of a triggering action.
    Type: Grant
    Filed: March 1, 2023
    Date of Patent: June 10, 2025
    Assignee: Bank of America Corporation
    Inventors: Manu Kurian, Padmanabhan Iyer, Paul Roscoe, Mahesh Bhashetty
  • Patent number: 12326923
    Abstract: Artificial intelligence (AI) impersonation detection using an AI model is provided. Methods may train an AI model. The training may provide the AI model with a first dataset including a communication between two or more human users, a second and third dataset including an impersonation of the communication by a public AI model and a private AI model respectively. Methods may identify a first identifier set in the first dataset, a second identifier set in the second dataset and a third identifier set in the third dataset. Methods may create a parameter range for the first, second and third identifier set. The methods may include monitoring a production communication using the AI model. The AI model may compare the production communication with the parameter ranges. Methods may identify a smallest comparison value. Methods may, based on the identified smallest comparison value, identify the origin of the production communication.
    Type: Grant
    Filed: July 20, 2023
    Date of Patent: June 10, 2025
    Assignee: Bank of America Corporation
    Inventors: Manu Kurian, Ana Maxim, Vinesh Young Patel, Michael Young
  • Publication number: 20250182087
    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: February 5, 2025
    Publication date: June 5, 2025
    Inventors: Heather Dolan, Manu Kurian, Maharaj Mukherjee
  • Patent number: 12314239
    Abstract: A system for administering regionally-based data storage and control is provided. The system may include a computer processor and a distributed memory. The distributed memory may be distributed across a plurality of regions. The distributed memory may provide data storage. The system may build a plurality of artificial intelligence (AI) models. Each of the models may correspond to a set of data rules. Each of the data rules governs the storage of data in each of the plurality of regions. The system may further create, or otherwise access, a plurality of data keys. Each of the data keys preferably corresponds to one of the regions. The system preferably centralizes the location of the plurality of data keys in a central location such that control of the data in the plurality of regions can be administered by the processor, via the plurality of data keys, from the central location.
    Type: Grant
    Filed: May 24, 2023
    Date of Patent: May 27, 2025
    Assignee: Bank of America Corporation
    Inventors: Nupur Gupta, Harinath Meedinti Bhaskara Reddy, Manu Kurian, Jayachandra Varma, Erica Perkins
  • Patent number: 12314245
    Abstract: Systems and methods for an artificial intelligence-based auditor of artificial intelligence may be provided. The artificial-intelligence-based auditor may operate on one or more hardware processors. The artificial intelligence-based auditor may continually scan one or more operating artificial intelligence systems for productivity and operability. The scan may identify a data source powering the one or more operating artificial intelligence systems. The scan may measure a delta between an output from each of the one or more operating artificial intelligence systems. The scan may identify trends in quality of the one or more operating artificial intelligence systems. The scan may analyze instances where the one or more operating artificial intelligence systems outputted data outside of a parameter range. Based on the scan, the auditor may label each of the one or more operating artificial intelligence systems as positive, neutral or negative.
    Type: Grant
    Filed: July 20, 2023
    Date of Patent: May 27, 2025
    Assignee: Bank of America Corporation
    Inventors: Manu Kurian, Ana Maxim, Vinesh Patel, Michael Young
  • Publication number: 20250168007
    Abstract: Systems and methods may include contributing to a quantum-resistant blockchain that stores a quantum-resistant audit trail of changes to a dataset. A non-transitory computer readable medium may store instructions that are run on a computer processor to populate a block with a log of a dataset, run a quantum-resistant cryptographic algorithm to encrypt the block, distribute the block to and receive approval from blockchain nodes to add the block to the blockchain, and run the algorithm to encrypt the block onto the blockchain. The method may include repeating the steps of running the non-transitory medium on the computer processor to populate a second block with a second log of the dataset, run the algorithm to encrypt the second block, distribute the second block to and receive approval from the blockchain nodes to add the block to the blockchain, and run the algorithm to encrypt the second block onto the blockchain.
    Type: Application
    Filed: November 16, 2023
    Publication date: May 22, 2025
    Inventors: Manu Kurian, Vinesh Patel
  • Patent number: 12299655
    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: Grant
    Filed: August 11, 2022
    Date of Patent: May 13, 2025
    Assignee: Bank of America Corporation
    Inventors: Manu Kurian, Siten Sanghvi, Heather Dolan, George Albero, Maharaj Mukherjee, Kevin A. Delson
  • Patent number: 12292992
    Abstract: Apparatus, methods and systems for securely trade data from one node by another node is provided. Methods may include receiving raw data at a node. Methods may include categorizing the data. Methods may include classifying the data. Methods may include assigning data grades to the data. Methods may include assigning security levels to the data. Methods may include storing the data at a data mesh. Methods may include determining a resource consumption metric (“RCM”) for the data. Methods may include transmitting the data. The dataset may be acquired for a value specified by the RCM. Methods may include improving the data. Methods may include recategorizing, reclassifying and reassigning a security level to the data. Methods may include storing the improved data in the data mesh. Methods may include determining a new RCM for the improved data. Methods may include transmitting the improved data. Methods may include managing the transmission of the data with a third node.
    Type: Grant
    Filed: May 24, 2023
    Date of Patent: May 6, 2025
    Assignee: Bank of America Corporation
    Inventors: Manu Kurian, Ganesh Bonda
  • Patent number: 12289316
    Abstract: Methods, systems and apparatus for controlled data transmission within leveled data environments is provided. Methods may include transmitting a dataset, using a data driver, from a first data environment to a second data environment. Methods may include intercepting the dataset at a reception gateway. Methods may include transmitting an identification. The identification request may request an original data environment from which the data originated; and a destination data environment to which the data is being transmitted. Methods may include in response to receiving a reply to the identification request, authenticating the reply. Methods may include initiating a security level compatibility check. Methods may include determining whether the first data environment is compatible with the second data environment. Methods may include transmitting the dataset through an auto-sanitization engine. Methods may include fragmenting the data into a plurality of data segments.
    Type: Grant
    Filed: May 23, 2023
    Date of Patent: April 29, 2025
    Assignee: Bank of America Corporation
    Inventors: Ion Freeman, Manu Kurian
  • Patent number: 12289315
    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: Grant
    Filed: May 14, 2024
    Date of Patent: April 29, 2025
    Assignee: Bank of America Corporation
    Inventors: Jayachandra Varma, Manu Kurian, Lalit Dhawan
  • Patent number: 12261778
    Abstract: Aspects of the disclosure relate to real-time management of data container generation, authorization, and throttling. In some embodiments, a computing platform may receive a first data container and retrieve a first data container management file associated with the first data container. The computing platform may then perform a first preliminary analysis of the first data container, including analyzing the first data container and the first data container management file to determine whether a first predetermined communication path requires additional throttling analysis. If additional throttling analysis is required, the computing platform may send analysis messages to a data container throttling module to extract a first communication entity listed in the first predetermined communication path.
    Type: Grant
    Filed: March 23, 2023
    Date of Patent: March 25, 2025
    Assignee: Bank of America Corporation
    Inventors: Manu Kurian, Paul Roscoe, Padmanabhan Iyer, Mahesh Bhashetty
  • Publication number: 20250086631
    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: November 27, 2024
    Publication date: March 13, 2025
    Applicant: Bank of America Corporation
    Inventors: Manu Kurian, Joseph Castinado
  • Patent number: 12248925
    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: Grant
    Filed: July 11, 2022
    Date of Patent: March 11, 2025
    Assignee: Bank of America Corporation
    Inventors: Heather Dolan, Manu Kurian, Maharaj Mukherjee
  • Patent number: 12242639
    Abstract: Methods and system are provided for tuning an artificial intelligence (“AI”) system. The methods and system may include training the AI system to identify distinct users their distinct interactions. The training may include receiving datatsets related to a plurality of distinct users and their plurality of distinct interactions. The AI system may parse the datasets to arrive at a plurality of sets of distinct interactions performed by respective distinct users, each distinct interaction may be associated with a level of security clearance. The AI system may receive a request from a user to access information. The methods and system may include the AI system initiating a communication with the user. The communication may be compared with the each set of distinct interactions until a user and level of security can be identified. The AI system may prompt the user to access information on the level of security clearance identified.
    Type: Grant
    Filed: July 17, 2023
    Date of Patent: March 4, 2025
    Assignee: Bank of America Corporation
    Inventors: Manu Kurian, Ana Maxim, Vinesh Patel, Michael Young
  • Patent number: 12243059
    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: August 4, 2023
    Date of Patent: March 4, 2025
    Assignee: Bank of America Corporation
    Inventors: Manu Kurian, Joseph Castinado