Patents by Inventor Ramakrishna Satyavolu

Ramakrishna Satyavolu 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: 8683316
    Abstract: A method and apparatus is provided for populating and submitting electronic forms by proxy over a data-packet-network. The apparatus comprises software running on a system of network-connected servers that enables a user, connected to one of the servers, to navigate to a site containing an electronic form and obtain data about the site and the form. The data obtained is used in conjunction with data about the user to construct a machine readable job order upon user request that may be executed for the purpose of automatic form population and submission to a host sponsoring the site. Upon acceptance of the submitted form, data used for log-in is stored where it is entered along with site data as a new registered site item for a user such that future navigation to the site, auto log-in and data return is performed automatically on behalf of the user.
    Type: Grant
    Filed: August 6, 2010
    Date of Patent: March 25, 2014
    Assignee: Yodlee.com
    Inventors: Anand Rangarajan, Ji Hoon Lee, Suman Kumar Inala, Ramakrishna Satyavolu, Sreeranga P. Rajan
  • Patent number: 8566197
    Abstract: A system and method for providing socially enabled rewards through a user financial instrument includes gathering transaction data from a user's financial account and analyzing the transaction data for a savings opportunity indication. A savings opportunity from a database of savings opportunities is matched to the user based on the savings opportunity indication, wherein the savings opportunity can be shared with other users or a social network. The savings opportunity is displayed in association with a statement of a user's financial account and the user is allowed to share the savings opportunity, wherein sharing causes a shared savings opportunity to be generated. A second user, one who received the shared savings opportunity, can redeem the shared savings opportunity. The sharing and redemption of the shared savings opportunity is tracked, such as to improve targeting users who are influential based on the number of redemptions of the shared savings opportunity.
    Type: Grant
    Filed: July 11, 2011
    Date of Patent: October 22, 2013
    Assignee: Truaxis, Inc.
    Inventors: Ramakrishna Satyavolu, Samir Kothari, Shehzad Daredia
  • Patent number: 8429073
    Abstract: A bill-paying service has an internet-connected server executing software from a non-transitory, machine-readable medium, the software providing functionality accessing, on behalf of a user, a plurality of billing servers, logging in with credentials supplied by the user, and downloading information concerning one or more bills which the user is responsible to pay, functionality receiving a selection by the end user, indicating a bill the user wishes to pay, and functionality transmitting to the user a deep-link plug-in (DLP) for the billing server where the bill selected by the client is associated, the DLP redirecting the user to a page at the billing server where the user is enabled to pay the bill selected.
    Type: Grant
    Filed: July 22, 2011
    Date of Patent: April 23, 2013
    Assignee: Yodlee.com, Inc.
    Inventors: Hill Ferguson, Blake Hayward, Ramakrishna Satyavolu
  • Patent number: 8423648
    Abstract: A system for verifying communication established between a first and a second node over a data-packet-network includes a third network node accessible from the first node over the data-packet-network, the third node containing network location information of the second node and the network location information of at least one resource accessible there from; and a navigation agent directed by the third network node for navigating over the network to the second node and to the at least one resource to gather information. In a preferred embodiment, the information gathered includes indication of receipt of data sent from the first node at the second node and indication of confirmation or authorization to access services.
    Type: Grant
    Filed: December 29, 2004
    Date of Patent: April 16, 2013
    Assignee: Yodlee.com, Inc.
    Inventors: Hill Ferguson, Blake Hayward, Ramakrishna Satyavolu
  • Patent number: 8417644
    Abstract: A system for transacting in a network includes a service broker connected to the network, having access to necessary credentials, a service provider connected to the network, requiring credentials for transacting in regard to a client, and a client station connected to the network. A client using the client station sends a preliminary request for a transaction to the service broker, which initiates, at the appropriate time, the transaction for the client by a request to the service provider, accompanied by the appropriate credentials, and the service broker monitors the service provider after the write request for an acknowledgement of the request.
    Type: Grant
    Filed: April 15, 2005
    Date of Patent: April 9, 2013
    Assignee: Yodlee.com, Inc.
    Inventors: Hill Ferguson, Blake Hayward, Ramakrishna Satyavolu
  • Patent number: 8266515
    Abstract: A system for categorizing transactions includes a collection function gathering information concerning transactions, including at least date, description and amount of the transactions, for a particular person or enterprise, and a processing function categorizing individual ones of the collected transactions according to at least part of the transaction description.
    Type: Grant
    Filed: March 8, 2010
    Date of Patent: September 11, 2012
    Assignee: Yodlee.com, Inc.
    Inventor: Ramakrishna Satyavolu
  • Publication number: 20120053987
    Abstract: Systems and methods may include gathering transaction data from a user's financial account, wherein the user's financial account is a financial institution account that is maintained on behalf of the user, analyzing the transaction data to determine an amount spent per a selected view type, generating a spending chart displaying the amount spent per selected view type, and displaying the spending chart in association with a statement of the user's financial account. The amount spent may be compared to a benchmark, such as a national average, a city average, a state average, similar people as defined by either a similar spend pattern or similar demographics, and a private group.
    Type: Application
    Filed: September 28, 2011
    Publication date: March 1, 2012
    Applicant: BILLSHRINK, INC.
    Inventors: Ramakrishna Satyavolu, Samir Kothari, Bala Krishna Nakshatrala
  • Publication number: 20120010932
    Abstract: A system and method for matching a savings opportunity using census data includes gathering transaction data from a user's financial account and analyzing the transaction data for a savings opportunity indication. Third party census data related to a geographic location of the user may be used in addition to the savings opportunity indication to match a savings opportunity from a database of savings opportunities to the user. The savings opportunity is displayed in association with a statement of the user's financial account.
    Type: Application
    Filed: July 11, 2011
    Publication date: January 12, 2012
    Applicant: BILLSHRINK, INC.
    Inventors: Ramakrishna Satyavolu, Samir Kothari, Shehzad Daredia, Bala Krishna Nakshatrala, Saravana Perumal
  • Publication number: 20120010936
    Abstract: Methods and systems for a conditional purchase may include gathering transaction data from a user's financial account and analyzing the data for a savings opportunity indication. A savings opportunity is matched to the user based on the savings opportunity indication. The user may provide a conditional purchase offer for a good or service identified by the savings opportunity, wherein the offer specifies at least one of a desired discount and an offer price. The conditional purchase offer is compared with at least one of an inventory and a pricing information to determine if the conditional purchase offer is acceptable. If the conditional purchase offer is acceptable, the customer may be bound to purchase the good or service. If the conditional purchase offer is not acceptable, the user may modify at least one of the discount and offer price of the conditional purchase offer to try to gain acceptance again.
    Type: Application
    Filed: July 11, 2011
    Publication date: January 12, 2012
    Applicant: BILLSHRINK, INC.
    Inventors: Ramakrishna Satyavolu, Samir Kothari, Shehzad Daredia, Bala Krishna Nakshatrala, Saravana Perumal
  • Publication number: 20120010933
    Abstract: A system and method for matching a savings opportunity using third party data includes gathering transaction data from a user's financial account and analyzing the transaction data for a savings opportunity indication. Third party data regarding the savings opportunity may be used in addition to the savings opportunity indication to match a savings opportunity from a database of savings opportunities to the user. The savings opportunity is displayed in association with a statement of the user's financial account.
    Type: Application
    Filed: July 11, 2011
    Publication date: January 12, 2012
    Applicant: BILLSHRINK, INC.
    Inventors: Ramakrishna Satyavolu, Samir Kothari, Shehzad Daredia, Bala Krishna Nakshatrala, Saravana Perumal
  • Publication number: 20120004969
    Abstract: A system and method for providing a geo-enhanced savings opportunity in association with a financial account includes gathering transaction data from a user's financial account and analyzing the transaction data for a savings opportunity indication. A savings opportunity from a database of savings opportunities is matched to the user based on the savings opportunity indication. The savings opportunity is displayed in association with a statement of a user's financial account. A response to the savings opportunity is tracked in order to receive an indication of whether or not the savings opportunity has been accepted. If it was not accepted, an additional incentive to accept the savings opportunity may be made when the user is in a geographic location set by a merchant offering the savings opportunity.
    Type: Application
    Filed: July 11, 2011
    Publication date: January 5, 2012
    Applicant: BILLSHRINK, INC.
    Inventors: Ramakrishna Satyavolu, Samir Kothari, Bala Krishna Nakshatrala, Saravana Perumal
  • Publication number: 20120004967
    Abstract: A system and method for providing a future reward through a user financial instrument includes gathering transaction data from a user's financial account, wherein the user's financial account is a financial institution account that is maintained on behalf of the user and analyzing the transaction data to determine a future savings opportunity accessible to the user after completion of a goal. Systems and methods track progress towards completing the goal. The user is enabled to obtain the future savings opportunity when the goal is completed.
    Type: Application
    Filed: July 11, 2011
    Publication date: January 5, 2012
    Applicant: BILLSHRINK, INC.
    Inventors: Ramakrishna Satyavolu, Samir Kothari, Shehzad Daredia
  • Publication number: 20120004975
    Abstract: A system and method for platform-driven savings opportunity matching includes gathering transaction data from a user's financial account, wherein the user's financial account is a financial institution account that is maintained on behalf of the user and analyzing the transaction data for a psychographic inference. A savings opportunity from a database of savings opportunities is matched to the user based on the psychographic inference. The savings opportunity is displayed in association with a statement of the user's financial account.
    Type: Application
    Filed: July 11, 2011
    Publication date: January 5, 2012
    Applicant: BILLSHRINK, INC.
    Inventors: Ramakrishna Satyavolu, Samir Kothari, Shehzad Daredia, Bala Krishna Nakshatrala, Saravana Perumal
  • Publication number: 20120004965
    Abstract: A system and method for user-driven savings opportunity matching includes gathering transaction data from a user's financial account, wherein the user's financial account is a financial institution account that is maintained on behalf of the user and analyzing the transaction data for a savings opportunity indication. A savings opportunity from a database of savings opportunities is matched to the user based on the savings opportunity indication. The savings opportunity is displayed in association with a statement of a user's financial account, and the user is allowed to interact with the savings opportunity. The interaction data may be used to drive a subsequent match of a savings opportunity.
    Type: Application
    Filed: July 11, 2011
    Publication date: January 5, 2012
    Applicant: BILLSHRINK, INC.
    Inventors: Ramakrishna Satyavolu, Samir Kothari, Shehzad Daredia
  • Publication number: 20120004964
    Abstract: A system and method for financial institution- and merchant-driven savings opportunity matching includes gathering transaction data from a user's financial account, wherein the user's financial account is a financial institution account that is maintained on behalf of the user and analyzing the transaction data for a savings opportunity indication. A filter may be applied to a database of savings opportunities prior to matching one to the user based on the savings opportunity indication. The savings opportunity is displayed in association with a statement of a user's financial account.
    Type: Application
    Filed: July 11, 2011
    Publication date: January 5, 2012
    Applicant: BILLSHRINK, INC.
    Inventors: Ramakrishna Satyavolu, Samir Kothari, Shehzad Daredia, Bala Krishna Nakshatrala, Saravana Perumal
  • Publication number: 20120004970
    Abstract: A system and method for providing a savings opportunity matched to a spend pattern in association with a financial account includes gathering transaction data from a user's financial account and analyzing the transaction data for a spend pattern. A savings opportunity from a database of savings opportunities is matched to the user based on the spend pattern. The savings opportunity is displayed in association with a statement of a user's financial account.
    Type: Application
    Filed: July 11, 2011
    Publication date: January 5, 2012
    Applicant: BILLSHRINK, INC.
    Inventors: Ramakrishna Satyavolu, Samir Kothari, Shehzad Daredia, Bala Krishna Nakshatrala, Saravana Perumal
  • Publication number: 20120004966
    Abstract: A system and method for providing rewards through a user financial instrument includes gathering transaction data from a user's financial account, wherein the user's financial account is a financial institution account that is maintained on behalf of the user and analyzing the transaction data to determine a reward level. The savings opportunity from the merchant may be matched to the user based on the reward level. The user is enabled to redeem the savings opportunity during a subsequent transaction with the merchant.
    Type: Application
    Filed: July 11, 2011
    Publication date: January 5, 2012
    Applicant: BILLSHRINK, INC.
    Inventors: Ramakrishna Satyavolu, Samir Kothari, Shehzad Daredia
  • Publication number: 20120004968
    Abstract: A system and method for providing socially enabled rewards through a user financial instrument includes gathering transaction data from a user's financial account and analyzing the transaction data for a savings opportunity indication. A savings opportunity from a database of savings opportunities is matched to the user based on the savings opportunity indication, wherein the savings opportunity can be shared with other users or a social network. The savings opportunity is displayed in association with a statement of a user's financial account and the user is allowed to share the savings opportunity, wherein sharing causes a shared savings opportunity to be generated. A second user, one who received the shared savings opportunity, can redeem the shared savings opportunity. The sharing and redemption of the shared savings opportunity is tracked, such as to improve targeting users who are influential based on the number of redemptions of the shared savings opportunity.
    Type: Application
    Filed: July 11, 2011
    Publication date: January 5, 2012
    Applicant: BILLSHRINK, INC.
    Inventors: Ramakrishna Satyavolu, Samir Kothari, Shehzad Daredia
  • Publication number: 20110282783
    Abstract: A bill-paying service has an internet-connected server executing software from a non-transitory, machine-readable medium, the software providing functionality accessing, on behalf of a user, a plurality of billing servers, logging in with credentials supplied by the user, and downloading information concerning one or more bills which the user is responsible to pay, functionality receiving a selection by the end user, indicating a bill the user wishes to pay, and functionality transmitting to the user a deep-link plug-in (DLP) for the billing server where the bill selected by the client is associated, the DLP redirecting the user to a page at the billing server where the user is enabled to pay the bill selected.
    Type: Application
    Filed: July 22, 2011
    Publication date: November 17, 2011
    Applicant: YODLEE.COM, INC.
    Inventors: Hill Ferguson, Blake Hayward, Ramakrishna Satyavolu
  • Patent number: 7990895
    Abstract: A system for establishing a direct network connection between a first and a second node over a data-packet-network includes a third network node having connection to the data-packet-network for providing an electronic interface accessible to the first node; a navigation agent directed by the third network node for navigating over the network to the second node to gather information; and at least one machine-readable instruction containing the instruction for directing and implementing the direct network connection. The electronic interface may be a Web page providing bill consolidation and payment services to a client operating the first node and wherein the connection established via the instruction enables transparent login payment of a bill at the second node, which may be a direct billing party interface of the client registered and listed on the Web page.
    Type: Grant
    Filed: April 21, 2010
    Date of Patent: August 2, 2011
    Assignee: Yodlee.com
    Inventors: Hill Ferguson, Blake Hayward, Ramakrishna Satyavolu