Patents by Inventor Nihar Swain

Nihar Swain 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).

  • CONTACTLESS USER AUTHENTICATION AND AUTHORIZATION
    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
  • Contactless user authentication and authorization
    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
  • Ring and hardware characteristic identification techniques to identify call devices
    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
  • RING AND HARDWARE CHARACTERISTIC IDENTIFICATION TECHNIQUES TO IDENTIFY CALL DEVICES
    Publication number: 20230300242
    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: Application
    Filed: May 23, 2023
    Publication date: September 21, 2023
    Applicant: WELLS FARGO BANK, N.A.
    Inventors: Ashutosh Verma, Naveen Gururaja Yeri, Shitiz Gupta, Divakar Vijayan, Manpreet Singh, Vinoth Venkataraman, Ramesh Babu, Nihar Swain
  • Ring and hardware characteristic identification techniques to identify call devices
    Patent number: 11729309
    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: February 22, 2022
    Date of Patent: August 15, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ashutosh Verma, Naveen Gururaja Yeri, Shitiz Gupta, Divakar Vijayan, Manpreet Singh, Vinoth Venkataraman, Ramesh Babu, Nihar Swain