Patents by Inventor Naveen Gururaja Yeri

Naveen Gururaja Yeri 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: 20250005111
    Abstract: Systems, apparatuses, methods, and computer program products are disclosed for mitigating deterioration of modeling system performance. An example method includes detecting, by context analysis circuitry, occurrence of a triggering condition. The example method also includes determining, by context analysis circuitry and in response to detecting the occurrence of the triggering condition, a destination modeling solution based on a regime strategy for the modeling system. The example method also includes switching, by regime deployment circuitry and based on the regime strategy, from a source modeling solution to a destination modeling solution.
    Type: Application
    Filed: September 12, 2024
    Publication date: January 2, 2025
    Inventors: Tyler Case, Paul Davis, Matt Hord, Ananth Kendapadi, Rameshchandra Bhaskar Ketharaju, Vinothkumar Venkataraman, Ashutosh Verma, Yang Angelina Yang, Naveen Gururaja Yeri
  • Patent number: 12183344
    Abstract: Systems, apparatuses, methods, and computer program products are disclosed for predicting an entity and intent based on captured speech. An example method includes capturing speech and converting the speech to text. The example method further includes causing generation of one or more entities and one or more intents based on the speech and the text. The example method further includes determining a next action based on each of the one or more entities and each of the one or more intents.
    Type: Grant
    Filed: November 24, 2021
    Date of Patent: December 31, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Vinothkumar Venkataraman, Rahul Ignatius, Naveen Gururaja Yeri, Paul Davis
  • Publication number: 20240412080
    Abstract: Systems, apparatuses, methods, and computer program products are disclosed for generating a predicted effect for a target user or a target cluster in response to a synthetic stimulus. An example method includes receiving a synthetic behavior prediction request and determining a cluster for a target user. The method further includes identifying a digital twin for a target user and generating a predicted effect for the target user in response to the synthetic stimulus and based on an inferred effect or predicted effect associated with the digital twin. The method further includes providing a predicted effect notification which includes the predicted effect generated for the target user.
    Type: Application
    Filed: June 7, 2023
    Publication date: December 12, 2024
    Inventor: Naveen Gururaja Yeri
  • Publication number: 20240412238
    Abstract: Techniques are described for personalizing customer interactions using one or more machine learning models for customer communications. For example, a computing system includes a memory and one or more processors in communication with the memory. The one or more processors are configured to: retrieve, from a database in memory, one or more sets of emotion factor values for communication data associated with a customer over time; classify, using an emotion propensity model running on the one or more processors, the customer into an emotional profile according to the customer's typical emotional response during customer communications based on the one or more sets of emotion factor values for the communication data associated with the customer over time; and determine a probability that the customer will respond positively to a particular type of customer engagement based on the emotional profile for the customer.
    Type: Application
    Filed: August 14, 2024
    Publication date: December 12, 2024
    Inventors: Abhishek Kumar, Naveen Gururaja Yeri, Dipanjan Deb, Amit Agarwal, Mayank Kumari
  • Publication number: 20240411838
    Abstract: Systems, apparatuses, methods, and computer program products are disclosed for generating a predicted effect for a target cluster in response to a synthetic stimulus. An example method includes receiving a synthetic behavior prediction request and generating a plurality of clusters, wherein each cluster is associated with a corresponding centroid position. The method further includes selecting the target cluster from the plurality of clusters and generating the predicted effect for the target cluster in response to the synthetic stimulus based on the centroid position corresponding to the target cluster. The method further includes providing a predicted effect notification.
    Type: Application
    Filed: June 7, 2023
    Publication date: December 12, 2024
    Inventor: Naveen Gururaja Yeri
  • Patent number: 12153649
    Abstract: An example method includes detecting, by context analysis circuitry, occurrence of a triggering condition. The example method also includes scheduling, by context analysis circuitry and based on the occurrence of the triggering condition, retraining of a model. The example method also includes generating, by data grafting circuitry and in response to scheduling the retraining of the model, a context-relevant training data set based on a target context vector. The example method also includes retraining, by model training circuitry, the model using the context-relevant training data set to mitigate deterioration of performance of the model.
    Type: Grant
    Filed: December 22, 2021
    Date of Patent: November 26, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ashutosh Verma, Tyler Case, Paul Davis, Matt Hord, Ananth Kendapadi, Vinothkumar Venkataraman, Rameshchandra Bhaskar Ketharaju, Yang Angelina Yang, Naveen Gururaja Yeri
  • Patent number: 12147498
    Abstract: An example method includes detecting, by context analysis circuitry, occurrence of a triggering condition. The example method also includes scheduling, by context analysis circuitry and based on the occurrence of the triggering condition, retraining of a model. The example method also includes generating, by data grafting circuitry and in response to scheduling the retraining of the model, a context-relevant training data set based on a target context vector. The example method also includes retraining, by model training circuitry, the model using the context-relevant training data set to mitigate deterioration of performance of the model.
    Type: Grant
    Filed: November 9, 2022
    Date of Patent: November 19, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ashutosh Verma, Tyler Case, Paul Davis, Matt Hord, Ananth Kendapadi, Rameshchandra Bhaskar Ketharaju, Vinothkumar Venkataraman, Yang Angelina Yang, Naveen Gururaja Yeri
  • Publication number: 20240372852
    Abstract: Systems, apparatuses, methods, and computer program products are disclosed for simultaneous multifactor authentication. An example method includes simultaneously receiving, by communications hardware and in response to a first authentication request, a plurality of authentication factors associated with an individual via a plurality of channels. The example method further includes performing, by an authentication engine, a verification operation that evaluates the plurality of authentication factors in parallel. The example method further includes authorizing, by the authentication engine, the one or more actions based on a successful outcome of the verification operation.
    Type: Application
    Filed: May 2, 2023
    Publication date: November 7, 2024
    Inventors: Debashis Ghosh, Ashutosh Verma, Justin Blackburn, Rameshchandra Bhaskar Ketharaju, Naveen Gururaja Yeri
  • Publication number: 20240355179
    Abstract: An automated teller machine (“ATM”) receives, from a user computing device via a first wireless communication session, a unique transaction identifier (“UTN”). The ATM transmits the UTN to a bank computing system via a network. The ATM receives, from the bank computing system responsive to transmitting the UTN, transaction details and a first security code associated with the UTN. The ATM receives, from the user computing device via a second wireless communication session, a second security code. Responsive to determining that the first security code matches the second security code, the ATM processes a transaction in accordance with the transaction details.
    Type: Application
    Filed: July 2, 2024
    Publication date: October 24, 2024
    Applicant: WELLS FARGO BANK, N.A.
    Inventors: Ramesh Babu, Naveen Gururaja Yeri, Ashutosh Verma, Shitiz Gupta, Divakar Vijayan, Manpreet Singh, Vinothkumar Venkataraman, Nihar Swain
  • Publication number: 20240346030
    Abstract: Embodiments are generally directed to techniques for query-based binarized point decisions, such as with a system that can provide end-to-end decision making support. Some embodiments are particularly directed to a system that makes point decisions, with traceable reasoning, for queries while factoring in a variety of influences. In many embodiments, the traceable reasoning may refer to the generation and collection of metadata associated with various aspects of the decision making process. For example, the metadata may include, or be used to create, a decision lineage and/or reasoning summary that is generated for each point decision. Some embodiments may ensure various influences do not derail the query from the overall objective. In several such embodiments, the point decisioner may confirm or deny that a decision was made with aspect to a certain objective.
    Type: Application
    Filed: April 14, 2023
    Publication date: October 17, 2024
    Inventors: Rameshchandra Bhaskar Ketharaju, Naveen Gururaja Yeri
  • Patent number: 12118065
    Abstract: Systems, apparatuses, methods, and computer program products are disclosed for mitigating deterioration of modeling system performance. An example method includes detecting, by context analysis circuitry, occurrence of a triggering condition. The example method also includes determining, by context analysis circuitry and in response to detecting the occurrence of the triggering condition, a destination modeling solution based on a regime strategy for the modeling system. The example method also includes switching, by regime deployment circuitry and based on the regime strategy, from a source modeling solution to a destination modeling solution.
    Type: Grant
    Filed: December 22, 2021
    Date of Patent: October 15, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Tyler Case, Paul Davis, Matt Hord, Ananth Kendapadi, Rameshchandra Bhaskar Ketharaju, Vinothkumar Venkataraman, Ashutosh Verma, Yang Angelina Yang, Naveen Gururaja Yeri
  • Patent number: 12112285
    Abstract: Systems, apparatuses, methods, and computer program products are disclosed for measuring employee engagement. An example method includes receiving, by communications circuitry, an exogenous event report and identifying, by a frequency modulator and based on the exogenous event report, a frequency at which to deliver an employee survey to an employee. The example method further includes causing, by an engagement engine, delivery of the employee survey to the employee based on the identified frequency and receiving, by communications circuitry, a response to the employee survey. The example method further includes storing the received response in a memory as a measure of employee engagement.
    Type: Grant
    Filed: July 7, 2021
    Date of Patent: October 8, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ayat Abuagla, Naveen Gururaja Yeri, Matt Hord, Jason R Beene, Christopher M Mahler
  • Publication number: 20240311833
    Abstract: Systems, apparatuses, methods, and computer program products are disclosed for generating predictive outcomes for scenarios using generative artificial intelligence. An example method includes receiving first historical customer scenario data and training, by a scenario generator circuitry, a scenario generation model using the first historical customer scenario data and generating an artificial scenario where the artificial scenario includes a node and an edge and where the node is associated with an action and the edge is associated with a decision weight. The example method further includes receiving second historical customer scenario data and training, by a scenario discriminator circuitry, a scenario discrimination model using the second historical customer data. The example method further includes receiving the artificial scenario and determining a scenario discrimination score based on the artificial scenario.
    Type: Application
    Filed: March 15, 2023
    Publication date: September 19, 2024
    Inventors: Shuvam Sengupta, Rameshchandra Bhaskar Ketharaju, Naveen Gururaja Yeri
  • Patent number: 12079826
    Abstract: Techniques are described for personalizing customer interactions using one or more machine learning models for customer communications. For example, a computing system includes a memory and one or more processors in communication with the memory. The one or more processors are configured to: retrieve, from a database in memory, one or more sets of emotion factor values for communication data associated with a customer over time; classify, using an emotion propensity model running on the one or more processors, the customer into an emotional profile according to the customer's typical emotional response during customer communications based on the one or more sets of emotion factor values for the communication data associated with the customer over time; and determine a probability that the customer will respond positively to a particular type of customer engagement based on the emotional profile for the customer.
    Type: Grant
    Filed: June 25, 2021
    Date of Patent: September 3, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Abhishek Kumar, Naveen Gururaja Yeri, Dipanjan Deb, Amit Agarwal, Mayank Kumari
  • Publication number: 20240281611
    Abstract: Disclosed in some examples are methods, systems, and machine readable mediums which provide summaries of topics determined within a corpus of documents. These summaries may be used by customer service associates, analysts, or other users to quickly determine both topics discussed and contexts of those topics over a large corpus of text. For example, a corpus of documents may be related to customer complaints and the topics may be summarized to produce summaries such as “credit report update due to stolen identity.” These summarizations may be used to efficiently spot trends and issues.
    Type: Application
    Filed: March 6, 2024
    Publication date: August 22, 2024
    Inventors: Amit Agarwal, Dipanjan Deb, Abhishek Kumar, Naveen Gururaja Yeri
  • Patent number: 12056991
    Abstract: An automated teller machine (“ATM”) receives, from a user computing device via a first wireless communication session, a unique transaction identifier (“UTN”). The ATM transmits the UTN to a bank computing system via a network. The ATM receives, from the bank computing system responsive to transmitting the UTN, transaction details and a first security code associated with the UTN. The ATM receives, from the user computing device via a second wireless communication session, a second security code. Responsive to determining that the first security code matches the second security code, the ATM processes a transaction in accordance with the transaction details.
    Type: Grant
    Filed: March 29, 2022
    Date of Patent: August 6, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ramesh Babu, Naveen Gururaja Yeri, Ashutosh Verma, Shitiz Gupta, Divakar Vijayan, Manpreet Singh, Vinothkumar Venkataraman, Nihar Swain
  • Patent number: 12041198
    Abstract: A voice communications computer system (“VCCS”) receives a ring signal from a call device having unverified device identification data. The VCCS identifies an audible frequency component and an electronic frequency component of the ring signal. The VCCS identifies a device identification characteristic or a geographic location characteristic based on the audible or electronic frequency components, and identifies a stored identification characteristic associated with the device identification data. Based on a comparison of the stored identification characteristic with the device identification characteristic or geographic location characteristic, the VCCS generates fraud estimation data. In some cases, the VCCS generates call status data based on the fraud estimation data. The VCCS provides the fraud estimation data or the call status data to a user interface device, which is configured to display data or perform a call action for a call associated with the ring signal.
    Type: Grant
    Filed: May 23, 2023
    Date of Patent: July 16, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ashutosh Verma, Naveen Gururaja Yeri, Shitiz Gupta, Divakar Vijayan, Manpreet Singh, Vinoth Venkataraman, Ramesh Babu, Nihar Swain
  • Patent number: 12008579
    Abstract: Techniques are described for determining a likelihood that a customer communication is fraudulent using one or more machine learning models. For example, a computing system includes a memory and one or more processors in communication with the memory. The one or more processors are configured to: receive a set of emotion factor values for communication data of a current communication associated with a customer, wherein each emotion factor value indicates a measure of a particular emotion factor in the current communication; classify, using an emotion variance model running on the one or more processors, the current communication into an emotional fraud category based on the set of emotion factor values for the current communication associated with the customer; and determine a risk score for the current communication indicative of a probability that the current communication is fraudulent based on at least the emotional fraud category for the current communication.
    Type: Grant
    Filed: August 9, 2021
    Date of Patent: June 11, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Abhishek Kumar, Dipanjan Deb, Julia A Kosheleva-Coates, Amit Agarwal, Naveen Gururaja Yeri
  • Patent number: 11978475
    Abstract: Systems, apparatuses, methods, and computer program products are disclosed for predicting an emotion based on speech and text derived from the speech. An example method includes capturing speech and generating hidden vectors based on the speech and text derived from the speech. The example method further includes generating a word aligned hidden vector based on the speech hidden vector and text hidden vector. The example method further includes generating a hidden vector based on the word aligned hidden vector and the text hidden vector. The example method further includes, after further processing of the final vector, generating one or more probabilities corresponding to one or more emotions. The example method finally includes determining a next action based on the generated one or more probabilities corresponding to one or more emotions.
    Type: Grant
    Filed: September 3, 2021
    Date of Patent: May 7, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Vinothkumar Venkataraman, Rahul Ignatius, Renuka Mannem, Naveen Gururaja Yeri, Paul Davis
  • Publication number: 20240112198
    Abstract: Techniques are described for determining a likelihood that a customer communication is fraudulent using one or more machine learning models. For example, a computing system includes a memory and one or more processors in communication with the memory. The one or more processors are configured to: receive a set of emotion factor values for communication data of a current communication associated with a customer, wherein each emotion factor value indicates a measure of a particular emotion factor in the current communication; classify, using an emotion variance model running on the one or more processors, the current communication into an emotional fraud category based on the set of emotion factor values for the current communication associated with the customer; and determine a risk score for the current communication indicative of a probability that the current communication is fraudulent based on at least the emotional fraud category for the current communication.
    Type: Application
    Filed: December 15, 2023
    Publication date: April 4, 2024
    Inventors: Abhishek Kumar, Dipanjan Deb, Julia A. Kosheleva-Coates, Amit Agarwal, Naveen Gururaja Yeri