Patents by Inventor Monika V. Kapur

Monika V. Kapur 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: 20240121750
    Abstract: Systems, computer program products, and methods are described herein for controlling electronic communications in real time via an artificial intelligence engine based on location data and user data. The present invention may be configured to determine a location of a user device associated with a user based on location data generated by the user device and determine, using an emotional artificial intelligence engine, an emotional state of the user based on user data. The present invention may be configured to determine resources associated with the user and identify, from the resources associated with the user, relevant resources associated with an entity in proximity to the location of the user device. The present invention may be configured to generate, based on the emotional state of the user, notifications including information regarding the relevant resources and present, using an output device of the user device, the notifications to the user.
    Type: Application
    Filed: October 5, 2022
    Publication date: April 11, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Monika V. Kapur, Christine D. Black, Jinna Zevulun Kim, Jennifer Tiffany Renckert, Jo-Ann Taylor, Vijaya L. Vemireddy
  • Patent number: 10659482
    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: Grant
    Filed: October 25, 2017
    Date of Patent: May 19, 2020
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Stephen Shannon, Manu Jacob Kurian, Michael Emil Ogrinz, Monika V. Kapur
  • Patent number: 10374801
    Abstract: An apparatus includes a tokenizer and a validator. The tokenizer divides a file into first, second, and third portions. The tokenizer also encrypts the first, second, and third portions using a first key to produce first, second, and third tokens. The validator receives a fourth token with a signature of a first user and receives a fifth token with a signature of a second user. The validator also combines the first token, the fourth token, and the fifth token to produce a second key and determines whether the second key matches the first key. If the second key does not match the first key, the validator communicates an alert indicating that the first key does not match the second key. If the second key does match the first key, the validator decrypts first, fourth, and fifth tokens to reproduce the file.
    Type: Grant
    Filed: July 14, 2017
    Date of Patent: August 6, 2019
    Assignee: Bank of America Corporation
    Inventors: Manu J. Kurian, Monika V. Kapur
  • Patent number: 10339531
    Abstract: Aspects of the invention relate to a smart card that leverages emerging technology hardware to enhance secure release of sensitive data associated with the smart card. The smart card may include an OLED display. The device may include one or more biometric sensors. Embodiments may include pairing a device with a portal used to access sensitive data. When accessing the portal, the user may be required to verify that the device is present before gaining access to the sensitive data.
    Type: Grant
    Filed: June 10, 2016
    Date of Patent: July 2, 2019
    Assignee: Bank of America Corporation
    Inventors: Rajan Khurana, Monika V. Kapur
  • 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: 20190020474
    Abstract: An apparatus includes a tokenizer and a validator. The tokenizer divides a file into first, second, and third portions. The tokenizer also encrypts the first, second, and third portions using a first key to produce first, second, and third tokens. The validator receives a fourth token with a signature of a first user and receives a fifth token with a signature of a second user. The validator also combines the first token, the fourth token, and the fifth token to produce a second key and determines whether the second key matches the first key. If the second key does not match the first key, the validator communicates an alert indicating that the first key does not match the second key. If the second key does match the first key, the validator decrypts first, fourth, and fifth tokens to reproduce the file.
    Type: Application
    Filed: July 14, 2017
    Publication date: January 17, 2019
    Inventors: Manu J. Kurian, Monika V. Kapur
  • Publication number: 20170357979
    Abstract: Aspects of the invention relate to a smart card that leverages emerging technology hardware to enhance secure release of sensitive data associated with the smart card. The smart card may include an OLED display. The device may include one or more biometric sensors. Embodiments may include pairing a device with a portal used to access sensitive data. When accessing the portal, the user may be required to verify that the device is present before gaining access to the sensitive data.
    Type: Application
    Filed: June 10, 2016
    Publication date: December 14, 2017
    Inventors: Rajan Khurana, Monika V. Kapur
  • Patent number: 9760124
    Abstract: Method and apparatus for OLED-based displays are provided. Methods may include receiving card identification from a contactless communications chip at an OLED-based foldable display. Methods may include receiving a handwritten signature at a pressure-sensitive portion on the display. Methods may include transmitting the card identification information to a secure entity hub. Methods may include receiving a packet from the secure entity hub. The packet may include the identification number, an acceptance of the handwritten signature and card blank information. Methods may include activating a card blank attached to the display with card blank information. Methods may include transmitting a second packet to the secure entity hub comprising the identification number and a message that the card blank has been activated.
    Type: Grant
    Filed: July 11, 2016
    Date of Patent: September 12, 2017
    Assignee: Bank of America Corporation
    Inventors: Julie Kisselburg Johnson, James M. Heddleson, Monika V. Kapur, William P. Jacobson
  • Publication number: 20160019502
    Abstract: Embodiments of the invention are directed to a system, method, and computer program product for reviewing customer information stored in a database. An exemplary embodiment includes retrieving multiple documents generated for a financial service provided to a customer from a financial institution database, wherein the retrieved documents include customer information. In response, the embodiment includes extracting the customer information from the retrieved documents for review. The extracted customer information is then compared with the information initially received from the customer to determine whether the generated documents have the correct customer information.
    Type: Application
    Filed: July 15, 2014
    Publication date: January 21, 2016
    Inventors: Raghavendran Narasimhan, Saurabh Bhatnagar, Pankaj Kumar, Monika V. Kapur
  • Publication number: 20160012031
    Abstract: Embodiments of the invention are directed to systems, methods and computer program products for use in financial systems, where message are automatically generated based on message templates. An exemplary apparatus is configured to access a click to launch tool that is configured to automatically generate messages based at least partially on one or more message templates. After selecting a message type presented within the click to launch tool, the system may receive information via a message template associated with the selected message type and related to a financial agreement. A message comprising the received information is automatically generated and sent the message to one or more entities associated with the financial agreement.
    Type: Application
    Filed: July 8, 2014
    Publication date: January 14, 2016
    Inventors: Raghavendran Narasimhan, Pankaj Kumar, Mohit Sharma, Monika V. Kapur, Nirmala Gayal