Patents by Inventor Rajandra Laxman Kulkarni

Rajandra Laxman Kulkarni 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: 10032168
    Abstract: Methods and apparatuses, including computer program products, are described for secure validation of financial transactions. A server computing device registers a mobile device to receive notification messages from the server computing device. The server computing device transmits a notification message via a first communication channel to a notification agent executing on the registered mobile device, where the message identifies activity associated with a financial account of a user of the registered mobile device. The server computing device receives a response to the notification message via a second communication channel from an application executing on the registered mobile device, if the notification message requires a response. The server computing device stores the response in a database coupled to the server computing device, and determines whether to (i) allow, (ii) deny, or (iii) deny and report as fraud the identified activity based upon the response.
    Type: Grant
    Filed: March 9, 2015
    Date of Patent: July 24, 2018
    Assignee: FMR LLC
    Inventors: Rajandra Laxman Kulkarni, Philip Peter Treleaven, Adam Greenberg, Ram Ramgopal, Jonathan Stavis, Nayan Patel
  • Publication number: 20170296710
    Abstract: Methods and apparatuses, including computer program products, are described for secure validation of financial transactions. A server computing device registers a mobile device to receive notification messages from the server computing device. The server computing device transmits a notification message via a first communication channel to a notification agent executing on the registered mobile device, where the message identifies activity associated with a financial account of a user of the registered mobile device. The server computing device receives a response to the notification message via a second communication channel from an application executing on the registered mobile device, if the notification message requires a response. The server computing device stores the response in a database coupled to the server computing device, and determines whether to (i) allow, (ii) deny, or (iii) deny and report as fraud the identified activity based upon the response.
    Type: Application
    Filed: March 9, 2015
    Publication date: October 19, 2017
    Inventors: Rajandra Laxman Kulkarni, Philip Peter Treleaven, Adam Greenberg, Ram Ramgopal, Jonathan Stavis, Nayan Patel
  • Patent number: 9166999
    Abstract: Methods and apparatuses, including computer program products, are described for transaction-based security risk aggregation and analysis. A server computing device receives security risk data elements from a plurality of data sources, the data elements corresponding to a transaction submitted by a remote computing device to the server computing device for execution. The server computing device aggregates the security risk data elements into a weighted risk matrix. The server computing device generates a risk score for the submitted transaction based upon the weighted risk matrix. The server computing device determines an internal environment risk factor and an external environment risk factor based upon environmental risk data received from the plurality of data sources.
    Type: Grant
    Filed: February 23, 2015
    Date of Patent: October 20, 2015
    Assignee: FMR LLC
    Inventors: Rajandra Laxman Kulkarni, Chalam Peddada
  • Publication number: 20150254659
    Abstract: Methods and apparatuses, including computer program products, are described for secure validation of financial transactions. A server computing device registers a mobile device to receive notification messages from the server computing device. The server computing device transmits a notification message via a first communication channel to a notification agent executing on the registered mobile device, where the message identifies activity associated with a financial account of a user of the registered mobile device. The server computing device receives a response to the notification message via a second communication channel from an application executing on the registered mobile device, if the notification message requires a response. The server computing device stores the response in a database coupled to the server computing device, and determines whether to (i) allow, (ii) deny, or (iii) deny and report as fraud the identified activity based upon the response.
    Type: Application
    Filed: March 9, 2015
    Publication date: September 10, 2015
    Inventors: Rajandra Laxman Kulkarni, Philip Peter Treleaven, Adam Greenberg, Ram Ramgopal, Jonathan Stavis, Nayan Patel
  • Patent number: 8966640
    Abstract: Methods and apparatuses, including computer program products, are described for transaction-based security risk aggregation and analysis. A server computing device receives security risk data elements from a plurality of data sources. The security risk data elements correspond to a transaction submitted by a remote computing device to the server computing device for execution. The server computing device aggregates the security risk data elements into a weighted risk matrix and generates a risk score for the submitted transaction based upon the weighted risk matrix. The server computing device determines a business-level context and an execution priority of the submitted transaction, the business-level context and the execution priority based upon the security risk data elements.
    Type: Grant
    Filed: July 25, 2014
    Date of Patent: February 24, 2015
    Assignee: FMR LLC
    Inventors: Chalam Peddada, Rajandra Laxman Kulkarni
  • Patent number: 8671444
    Abstract: A method for using multiple channels to access a resource, wherein an authenticated user requests a resource that requires a second authentication parameter over a first channel, a token value is transmitted to the user on the first channel, and the user transmits the token value and a second authentication parameter over a second channel. The token value is used to associate the first authentication parameter to the second authentication parameter, whereby the user is allowed access to the resource on the first or second channel.
    Type: Grant
    Filed: May 22, 2007
    Date of Patent: March 11, 2014
    Assignee: FMR LLC
    Inventors: Rajandra Laxman Kulkarni, Adam Greenberg, Anthony M. Marotto, William A. Thornton, III
  • Patent number: 8505077
    Abstract: Described are methods, systems, and apparatus, including computer program products for providing authentication for service provisioning. One or more executable authentication rules are provided for determining access by a user to one or more services. At least a first executable authentication rule is selected from the one or more executable authentication rules. The first executable authentication rule is for determining access by the user to at least a first service from the one or more services, wherein selecting the first executable authentication rule is based on: a characteristic of the user, a characteristic of a request, a characteristic of an acquisition point, or any combination thereof. A rules credential is generated. The rules credential includes the first executable authentication rule.
    Type: Grant
    Filed: May 1, 2007
    Date of Patent: August 6, 2013
    Assignee: FMR LLC
    Inventors: Rajandra Laxman Kulkarni, Adam Greenberg, Anthony M. Marotto, Alexander L. Popowycz, Michael Francis LoPiano
  • Patent number: 8474028
    Abstract: A method for using multiple channels to access a resource, wherein a first user requests a resource that requires an indication of approval from a second user, a token value is transmitted to the first user on the first channel, and the second user transmits the token value and a second authentication parameter over a second channel. The token value is used to associate the first authentication parameter to the second authentication parameter, whereby the first user is allowed access to the resource on the first. The first and second user may be independently authenticated in some implementations and not independently authenticated in other implementations.
    Type: Grant
    Filed: May 22, 2007
    Date of Patent: June 25, 2013
    Assignee: FMR LLC
    Inventors: Rajandra Laxman Kulkarni, Adam Greenberg, Anthony M. Marotto, William A. Thornton, III
  • Patent number: 8434133
    Abstract: A method for using multiple channels to authenticate a user, wherein a first authentication parameter from a first device associated with a user is received over a first channel, a token value is transmitted to the user on the first channel, and the user transmits the token value and a second authentication parameter over a second channel. The token value is used to associate the first authentication parameter to the second authentication parameter, whereby the user is authenticated on the first channel.
    Type: Grant
    Filed: May 22, 2007
    Date of Patent: April 30, 2013
    Assignee: FMR LLC
    Inventors: Rajandra Laxman Kulkarni, Adam Greenberg, Anthony M. Marotto, William A. Thornton, III
  • Patent number: 8356341
    Abstract: Described are methods, systems, and apparatus, including computer program products for providing authentication for service provisioning. At least a first and a second executable authentication rule are provided. One or both of the first and second executable authentications are for determining access by a user to a service. The first executable authentication rule is selected when a lifecycle state associated with the user is in a first state. The second executable authentication rule is selected when the lifecycle state is in a second state. A rules credential is generated. The rules credential includes the selected executable authentication rule.
    Type: Grant
    Filed: May 1, 2007
    Date of Patent: January 15, 2013
    Assignee: FMR LLC.
    Inventors: Rajandra Laxman Kulkarni, Adam Greenberg, Anthony M. Marotto, Alexander L. Popowycz, Michael Francis LoPiano
  • Patent number: 8275652
    Abstract: Dependents of benefit plan participants can be given access to personal information of a plan participant. The dependents, who are not existing users or members of the plan, can be allowed access to some or all of the personal information associated with the plan participant.
    Type: Grant
    Filed: November 7, 2008
    Date of Patent: September 25, 2012
    Assignee: FMR LLC
    Inventors: Joseph E. Hafeman, Louis Iannucci, Mark Melfi, Carl Shippee, Rajandra Laxman Kulkarni
  • Publication number: 20120221721
    Abstract: Described are computer-based methods and apparatuses, including computer program products, for detecting fraudulent activity. A computing device in a second network receives a plurality of interactions between data centers in a first network and one or more devices, remote from the data centers, of a user, the interactions forming an aggregate user session representing the user's activity over a period of time with the data centers via the devices. The computing device monitors data transaction requests of the interactions and is configured to respond to each request with a response that appears as if the request was executed. If the interactions are harmful, the computing device interdicts the interactions from execution by the data centers and allows the devices to submit additional interactions. If unable to determine whether the subsequent interactions are harmful, the computing device transmits the interactions to the data centers for execution and marks the interactions.
    Type: Application
    Filed: May 11, 2012
    Publication date: August 30, 2012
    Applicant: FMR LLC
    Inventors: Vijay C. Bhatt, Stephen Singh, Rajandra Laxman Kulkarni, Adam Greenberg
  • Patent number: 8180873
    Abstract: Described are computer-based methods and apparatuses, including computer program products, for subscribing to data feeds on a network. An user utilizes a transmitting device to transmit data packets that are split between a plurality of data centers for processing. The data packets are captured at the data centers. The data packets are recombined. The recombined data can be analyzed for fraud detection, marketing analysis, network intrusion detection, customer service analysis, and/or performance analysis. If fraudulent activity is detected, then the user can be interdicted to prevent further fraudulent activity.
    Type: Grant
    Filed: November 14, 2006
    Date of Patent: May 15, 2012
    Assignee: FMR LLC
    Inventors: Vijay C. Bhatt, Stephen Singh, Rajandra Laxman Kulkarni, Adam Greenberg
  • Patent number: 8145560
    Abstract: Described are computer-based methods and apparatuses, including computer program products, for detecting fraudulent activity on a network. A user utilizes a transmitting device to transmit user requests that are split between a plurality of data centers for processing. The user requests are captured at the data centers. The user requests are unified into a user session. The user session can be analyzed for fraud detection, marketing analysis, network intrusion detection, customer service analysis, and/or performance analysis. If fraudulent activity is detected, then the user can be interdicted to prevent further fraudulent activity.
    Type: Grant
    Filed: November 14, 2006
    Date of Patent: March 27, 2012
    Assignee: FMR LLC
    Inventors: Rajandra Laxman Kulkarni, Vijay C. Bhatt, Stephen Singh, Dan Tonelli, Adam Greenberg
  • Patent number: 7856494
    Abstract: Described are computer-based methods and apparatuses, including computer program products, for detecting and interdicting fraudulent activity on a network. An user utilizes a transmitting device to transmit user requests that are split between a plurality of data centers for processing. The user requests are captured at the data centers. The user requests are unified into an user session. The user session can be analyzed for fraud detection, marketing analysis, network intrusion detection, customer service analysis, and/or performance analysis. If fraudulent activity is detected, then the user can be interdicted to prevent further fraudulent activity.
    Type: Grant
    Filed: November 14, 2006
    Date of Patent: December 21, 2010
    Assignee: FMR LLC
    Inventors: Rajandra Laxman Kulkarni, Vijay C. Bhatt, Stephen Singh, Adam Greenberg
  • Publication number: 20090113518
    Abstract: Dependents of benefit plan participants can be given access to personal information of a plan participant. The dependents, who are not existing users or members of the plan, can be allowed access to some or all of the personal information associated with the plan participant.
    Type: Application
    Filed: November 7, 2008
    Publication date: April 30, 2009
    Applicant: FMR LLC
    Inventors: Joseph E. Hafeman, Louis Iannucci, Mark Melfi, Carl Shippee, Rajandra Laxman Kulkarni
  • Publication number: 20080115213
    Abstract: Described are computer-based methods and apparatuses, including computer program products, for detecting fraudulent activity on a network using stored information. An user utilizes a transmitting device to transmit user requests that are split between a plurality of data centers for processing. The user requests are captured at the data centers. The user requests are unified into an user session. The user session can be analyzed for fraud detection, marketing analysis, network intrusion detection, customer service analysis, and/or performance analysis. If fraudulent activity is detected, then the user can be interdicted to prevent further fraudulent activity.
    Type: Application
    Filed: November 14, 2006
    Publication date: May 15, 2008
    Applicant: FMR Corp.
    Inventors: Vijay C. Bhatt, Rajandra Laxman Kulkarni, Stephen Singh, Adam Greenberg
  • Publication number: 20080114885
    Abstract: Described are computer-based methods and apparatuses, including computer program products, for detecting fraudulent activity on a network. An user utilizes a transmitting device to transmit user requests that are split between a plurality of data centers for processing. The user requests are captured at the data centers. The user requests are unified into an user session. The user session can be analyzed for fraud detection, marketing analysis, network intrusion detection, customer service analysis, and/or performance analysis. If fraudulent activity is detected, then the user can be interdicted to prevent further fraudulent activity.
    Type: Application
    Filed: November 14, 2006
    Publication date: May 15, 2008
    Applicant: FMR Corp.
    Inventors: Rajandra Laxman Kulkarni, Vijay C. Bhatt, Stephen Singh, Dan Tonelli
  • Publication number: 20080114888
    Abstract: Described are computer-based methods and apparatuses, including computer program products, for subscribing to data feeds on a network. An user utilizes a transmitting device to transmit data packets that are split between a plurality of data centers for processing. The data packets are captured at the data centers. The data packets are recombined. The recombined data can be analyzed for fraud detection, marketing analysis, network intrusion detection, customer service analysis, and/or performance analysis. If fraudulent activity is detected, then the user can be interdicted to prevent further fraudulent activity.
    Type: Application
    Filed: November 14, 2006
    Publication date: May 15, 2008
    Applicant: FMR Corp.
    Inventors: Vijay C. Bhatt, Stephen Singh, Rajandra Laxman Kulkarni, Adam Greenberg
  • Publication number: 20080114886
    Abstract: Described are computer-based methods and apparatuses, including computer program products, for detecting and interdicting fraudulent activity on a network. An user utilizes a transmitting device to transmit user requests that are split between a plurality of data centers for processing. The user requests are captured at the data centers. The user requests are unified into an user session. The user session can be analyzed for fraud detection, marketing analysis, network intrusion detection, customer service analysis, and/or performance analysis. If fraudulent activity is detected, then the user can be interdicted to prevent further fraudulent activity.
    Type: Application
    Filed: November 14, 2006
    Publication date: May 15, 2008
    Applicant: FMR Corp.
    Inventors: Rajandra Laxman Kulkarni, Vijay C. Bhatt, Stephen Singh, Adam Greenberg