Patents by Inventor Raghav Shenoy

Raghav Shenoy 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: 10013684
    Abstract: Methods, systems, and computer-readable media for processing cardless transactions at automated teller devices are presented. In some embodiments, a computer system may receive, from an automated teller device associated with a financial institution, login input comprising one or more online banking credentials associated with a customer of the financial institution. Subsequently, the computer system may validate the login input. If the login input is valid, the computer system may generate a one-time passcode. Then, the computer system may send, to a customer mobile device associated with the customer, the one-time passcode. Thereafter, the computer system may receive, from the automated teller device, passcode input. Subsequently, the computer system may validate the passcode input. If the passcode input is valid, the computer system may generate a customer authentication message. Then, the computer system may send, to the automated teller device, the customer authentication message.
    Type: Grant
    Filed: June 2, 2015
    Date of Patent: July 3, 2018
    Assignee: Bank of America Corporation
    Inventors: Andrew T. Keys, Raghav Shenoy
  • Patent number: 9519790
    Abstract: Methods and systems for evaluating customer security preferences are presented. In some embodiments, a computer system may receive, from a security dashboard computing platform, a request for a security score associated with a customer. In response to receiving the request for the security score associated with the customer, the computer system may request, from a customer portal computing platform, one or more security preferences associated with the customer. Subsequently, the computer system may receive, from the customer portal computing platform, the one or more security preferences associated with the customer. The computer system then may determine, based on at least one security score definition file and based on the one or more security preferences associated with the customer, a security score for the customer. Thereafter, the computer system may provide, to the security dashboard computing platform, the determined security score for the customer.
    Type: Grant
    Filed: February 4, 2016
    Date of Patent: December 13, 2016
    Assignee: Bank of America Corporation
    Inventors: Kapil Pruthi, Xianhong Zhang, Tao Huang, Raghav Shenoy, Palash K. Shil, Andy Keys, Vikram Jalota, Arul Arasu Madavadiyan
  • Patent number: 9519783
    Abstract: Methods and systems for evaluating customer security preferences are presented. In some embodiments, a computer system may receive, from a customer portal computing platform, a request for a security dashboard user interface for a customer. In response to receiving the request for the security dashboard user interface, the computer system may request, from a security score computing platform, a security score for the customer. Subsequently, the computer system may receive, from the security score computing platform, the security score for the customer. The computer system then may generate, based on the security score for the customer, the security dashboard user interface for the customer. Thereafter, the computer system may provide, to the customer portal computing platform, the generated security dashboard user interface for the customer.
    Type: Grant
    Filed: January 8, 2016
    Date of Patent: December 13, 2016
    Assignee: Bank of America Corporation
    Inventors: Kapil Pruthi, Xianhong Zhang, Tao Huang, Raghav Shenoy, Palash K. Shil, Andy Keys, Vikram Jalota, Arul Arasu Madavadiyan
  • Publication number: 20160358139
    Abstract: Methods, systems, and computer-readable media for processing cardless transactions at automated teller devices are presented. In some embodiments, a computer system may receive, from an automated teller device associated with a financial institution, login input comprising one or more online banking credentials associated with a customer of the financial institution. Subsequently, the computer system may validate the login input. If the login input is valid, the computer system may generate a one-time passcode. Then, the computer system may send, to a customer mobile device associated with the customer, the one-time passcode. Thereafter, the computer system may receive, from the automated teller device, passcode input. Subsequently, the computer system may validate the passcode input. If the passcode input is valid, the computer system may generate a customer authentication message. Then, the computer system may send, to the automated teller device, the customer authentication message.
    Type: Application
    Filed: June 2, 2015
    Publication date: December 8, 2016
    Inventors: Andrew T. Keys, Raghav Shenoy
  • Publication number: 20160335608
    Abstract: Systems, methods, apparatuses, and computer-readable media configured to generate a virtual payment device having a scannable code are presented. The scannable code may be a bar code, quick response code, or, in some examples, the virtual payment device may include both. In some arrangements, a user may provide one or more parameters associated with the virtual payment device, such as an amount, an expiration date, and/or a name of one or more merchants at which the virtual payment device may be used. The virtual payment device may be generated and the scannable code may include the parameter information. Accordingly, a user may scan the code on the virtual payment device at a point of sale system at a merchant to use the virtual payment device as a method of payment. If the virtual payment device is authenticated, the transaction may be processed by the point of sale system.
    Type: Application
    Filed: May 15, 2015
    Publication date: November 17, 2016
    Inventors: Tamilarasan Balasubramani, Manoj Shankar, Raghav Shenoy
  • Publication number: 20160154961
    Abstract: Methods and systems for evaluating customer security preferences are presented. In some embodiments, a computer system may receive, from a security dashboard computing platform, a request for a security score associated with a customer. In response to receiving the request for the security score associated with the customer, the computer system may request, from a customer portal computing platform, one or more security preferences associated with the customer. Subsequently, the computer system may receive, from the customer portal computing platform, the one or more security preferences associated with the customer. The computer system then may determine, based on at least one security score definition file and based on the one or more security preferences associated with the customer, a security score for the customer. Thereafter, the computer system may provide, to the security dashboard computing platform, the determined security score for the customer.
    Type: Application
    Filed: February 4, 2016
    Publication date: June 2, 2016
    Inventors: Kapil Pruthi, Xianhong Zhang, Tao Huang, Raghav Shenoy, Palash K. Shil, Andy Keys, Vikram Jalota, Arul Arasu Madavadiyan
  • Publication number: 20160117507
    Abstract: Methods and systems for evaluating customer security preferences are presented. In some embodiments, a computer system may receive, from a customer portal computing platform, a request for a security dashboard user interface for a customer. In response to receiving the request for the security dashboard user interface, the computer system may request, from a security score computing platform, a security score for the customer. Subsequently, the computer system may receive, from the security score computing platform, the security score for the customer. The computer system then may generate, based on the security score for the customer, the security dashboard user interface for the customer. Thereafter, the computer system may provide, to the customer portal computing platform, the generated security dashboard user interface for the customer.
    Type: Application
    Filed: January 8, 2016
    Publication date: April 28, 2016
    Inventors: Kapil Pruthi, Xianhong Zhang, Tao Huang, Raghav Shenoy, Palash K. Shil, Andy Keys, Vikram Jalota, Arul Arasu Madavadiyan
  • Patent number: 9286467
    Abstract: Methods and systems for evaluating customer security preferences are presented. In some embodiments, a computer system may receive, from a security dashboard computing platform, a request for a security score associated with a customer. In response to receiving the request for the security score associated with the customer, the computer system may request, from a customer portal computing platform, one or more security preferences associated with the customer. Subsequently, the computer system may receive, from the customer portal computing platform, the one or more security preferences associated with the customer. The computer system then may determine, based on at least one security score definition file and based on the one or more security preferences associated with the customer, a security score for the customer. Thereafter, the computer system may provide, to the security dashboard computing platform, the determined security score for the customer.
    Type: Grant
    Filed: April 25, 2014
    Date of Patent: March 15, 2016
    Assignee: Bank of America Corporation
    Inventors: Kapil Pruthi, Xianhong Zhang, Tao Huang, Raghav Shenoy, Palash K. Shil, Andy Keys, Vikram Jalota, Arul Arasu Madavadiyan
  • Patent number: 9251335
    Abstract: Methods and systems for evaluating customer security preferences are presented. In some embodiments, a computer system may receive, from a customer portal computing platform, a request for a security dashboard user interface for a customer. In response to receiving the request for the security dashboard user interface, the computer system may request, from a security score computing platform, a security score for the customer. Subsequently, the computer system may receive, from the security score computing platform, the security score for the customer. The computer system then may generate, based on the security score for the customer, the security dashboard user interface for the customer. Thereafter, the computer system may provide, to the customer portal computing platform, the generated security dashboard user interface for the customer.
    Type: Grant
    Filed: April 25, 2014
    Date of Patent: February 2, 2016
    Assignee: Bank of America Corporation
    Inventors: Kapil Pruthi, Xianhong Zhang, Tao Huang, Raghav Shenoy, Palash K. Shil, Andy Keys, Vikram Jalota, Arul Arasu Madavadiyan
  • Publication number: 20150310204
    Abstract: Methods and systems for evaluating customer security preferences are presented. In some embodiments, a computer system may receive, from a security dashboard computing platform, a request for a security score associated with a customer. In response to receiving the request for the security score associated with the customer, the computer system may request, from a customer portal computing platform, one or more security preferences associated with the customer. Subsequently, the computer system may receive, from the customer portal computing platform, the one or more security preferences associated with the customer. The computer system then may determine, based on at least one security score definition file and based on the one or more security preferences associated with the customer, a security score for the customer. Thereafter, the computer system may provide, to the security dashboard computing platform, the determined security score for the customer.
    Type: Application
    Filed: April 25, 2014
    Publication date: October 29, 2015
    Applicant: Bank of America Corporation
    Inventors: Kapil Pruthi, Xianhong Zhang, Tao Huang, Raghav Shenoy, Palash K. Shil, Andy Keys, Vikram Jalota, Arul Arasu Madavadiyan
  • Publication number: 20150310205
    Abstract: Methods and systems for evaluating customer security preferences are presented. In some embodiments, a computer system may receive, from a customer portal computing platform, a request for a security dashboard user interface for a customer. In response to receiving the request for the security dashboard user interface, the computer system may request, from a security score computing platform, a security score for the customer. Subsequently, the computer system may receive, from the security score computing platform, the security score for the customer. The computer system then may generate, based on the security score for the customer, the security dashboard user interface for the customer. Thereafter, the computer system may provide, to the customer portal computing platform, the generated security dashboard user interface for the customer.
    Type: Application
    Filed: April 25, 2014
    Publication date: October 29, 2015
    Applicant: Bank of America Corporation
    Inventors: Kapil Pruthi, Xianhong Zhang, Tao Huang, Raghav Shenoy, Palash K. Shil, Andy Keys, Vikram Jalota, Arul Arasu Madavadiyan