Patents by Inventor Ramesh Yarlagadda
Ramesh Yarlagadda 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).
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Patent number: 12248545Abstract: Disclosed are example methods, systems, and devices that allow for secure digital authorization via generated datasets. The techniques include receiving a first dataset of a first user and a second dataset of a second user and generating a first set of identity elements and a second set of identity elements based on the first dataset and the second dataset, respectively. A linkage definition can be generated based on the first and second datasets, which can be associated with a set of activation elements. The techniques include determining that a set of inputs satisfy one or more of the set of activation elements and, in response, generating a set of security access tokens based on the linkage condition. The security access tokens can be transmitted to a computing device upon analyzing and verifying biometric data received from that computing device.Type: GrantFiled: September 1, 2022Date of Patent: March 11, 2025Assignee: Wells Fargo Bank, N.A.Inventors: Thomas E. Bell, Peter Bordow, Julio Jiron, Akhlaq M. Khan, Volkmar Scharf-Katz, Jeff J. Stapleton, Richard Orlando Toohey, Ramesh Yarlagadda
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Patent number: 12248568Abstract: Systems, methods, and computer program products are provided for disparate quantum computing (QC) detection. An example system includes QC detection data generation circuitry configured to generate a set of QC detection data. The example system further includes cryptographic circuitry configured to distort the set of QC detection data via a first PQC cryptographic technique, generate a pair of asymmetric cryptographic keys comprising a public cryptographic key and a private cryptographic key via a second PQC cryptographic technique, generate encrypted QC detection data from the distorted set of QC detection data based on the pair of asymmetric cryptographic keys, and destroy the private cryptographic key. The example system further includes data monitoring circuitry configured to monitor a set of data environments for electronic information related to the encrypted QC detection data.Type: GrantFiled: January 16, 2024Date of Patent: March 11, 2025Assignee: Wells Fargo Bank, N.A.Inventors: Ramanathan Ramanathan, Andrew J. Garner, IV, Abhijit Rao, Pierre Arbajian, Michael Erik Meinholz, Omar B. Khan, Ramesh Yarlagadda
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Publication number: 20250080431Abstract: An environmental impact computing system receives event data that describes an activity-source combination, such as an activity performed by a person associated with a user account, or a source that is associated with the activity that is performed. The environmental impact computing system includes a supplier impact model which calculates an environmental impact factor of the activity-source combination, and a user impact model which calculates a user-specific modifier. Based on the user-specific modifier, the environmental impact computing system adjusts the environmental impact factor. The environmental impact computing system modifies a user interface display, such as a user device that is associated with the user account, to display the adjusted environmental impact factor. In some embodiments, the user interface display is modified to display additional data, such as data describing a projected cumulative environmental impact.Type: ApplicationFiled: June 30, 2022Publication date: March 6, 2025Inventors: Joel Boeder, Laurie Harrison, Eric J. Miller, Stephanie Rico, Richard Orlando Toohey, Young M. Yang, Ramesh Yarlagadda
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Patent number: 12229636Abstract: Various systems and methods are provided for quantum computing based optimization of a personalized portfolio. One exemplary method may comprise identifying one or more filtered personalized portfolio optimization factor data based on one or more optimization factor data for the personalized portfolio, personalized portfolio owner feedback, QC algorithms, and algorithm performance information, selecting one QC algorithm for each filtered portfolio optimization factor data of the one or more filtered portfolio optimization factor data, utilizing the selected QC algorithm to optimize a personalized portfolio determination for each identified filtered personalized portfolio optimization factor data, and rebalancing the personalized portfolio based on the personalized portfolio determination.Type: GrantFiled: December 8, 2022Date of Patent: February 18, 2025Assignee: Wells Fargo Bank, N.A.Inventors: Ramanathan Ramanathan, Andrew J. Garner, IV, Abhijit Rao, Pierre Arbajian, Michael Erik Meinholz, Ramesh Yarlagadda, Bradford A. Shea, Adam Sanders
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Patent number: 12223391Abstract: Various systems and methods are provided for quantum computing based optimization of a personalized portfolio. One exemplary method may comprise identifying one or more filtered personalized portfolio optimization factor data based on one or more optimization factor data for the personalized portfolio, personalized portfolio owner feedback, QC algorithms, and algorithm performance information, selecting one QC algorithm for each filtered portfolio optimization factor data of the one or more filtered portfolio optimization factor data, utilizing the selected QC algorithm to optimize a personalized portfolio determination for each identified filtered personalized portfolio optimization factor data, and rebalancing the personalized portfolio based on the personalized portfolio determination.Type: GrantFiled: December 8, 2022Date of Patent: February 11, 2025Assignee: Wells Fargo Bank, N.A.Inventors: Ramanathan Ramanathan, Andrew J. Garner, IV, Abhijit Rao, Pierre Arbajian, Michael Erik Meinholz, Ramesh Yarlagadda, Bradford A. Shea, Adam Sanders
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Patent number: 12219058Abstract: Systems, apparatuses, methods, and computer program products are disclosed for post-quantum cryptography (PQC). An example system includes a PQC smartcard. The smartcard may include a PQC cryptographic algorithm selection circuitry configured to select a PQC cryptographic technique from a set of PQC cryptographic techniques for encrypting the data. The smartcard may further include a PQC cryptographic circuitry configured to encrypt data based on a generated set of PQC encryption attributes and the PQC cryptographic technique.Type: GrantFiled: November 15, 2022Date of Patent: February 4, 2025Assignee: Wells Fargo Bank, N.A.Inventors: Abhijit Rao, Adam Sanders, Ramanathan Ramanathan, Ramesh Yarlagadda, Pierre Arbajian, Andrew J. Garner
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Publication number: 20250030702Abstract: A computer-implemented method, apparatus, and computer program product for digital identity based authentication are provided. An example method includes receiving a request for authentication associated with a first user and determining attributes associated with the first user that include at least one static attribute and at least one dynamic attribute. The method further includes generating an inquiry authentication credential based upon the static attribute and the dynamic attribute and includes querying a digital identity construct database storing one or more previously acquired attributes of the first user. The method includes obtaining a verified authentication credential based upon the previously acquired iterations of the static and dynamic attributes and includes authenticating the first user based upon a comparison between the inquiry authentication credential and the verified authentication credential.Type: ApplicationFiled: July 30, 2021Publication date: January 23, 2025Inventors: Peter BORDOW, Jeff J. STAPLETON, Ramesh YARLAGADDA
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Patent number: 12200132Abstract: Disclosed are example methods, systems, and devices that allow for secure multi-verification of biometric data in a distributed computing environment. The techniques include receiving a request to grant authorization to a second user. The request can include biometric data of the first user and second user. An authorization token can be generated based on the request, which can be transmitted to a second computing device of the second user. A second request can be received from a third computing device that includes the authorization token and third biometric data. The second request can be verified based on the authorization token, the third biometric data, and provenance data, and an indication that the grant of authorization to the second user is verified can be transmitted to the first, second, or third computing devices.Type: GrantFiled: August 25, 2022Date of Patent: January 14, 2025Assignee: Wells Fargo Bank, N.A.Inventors: Thomas E. Bell, Peter Bordow, Julio Jiron, Akhlaq M. Khan, Volkmar Scharf-Katz, Jeff J. Stapleton, Richard Orlando Toohey, Ramesh Yarlagadda
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Publication number: 20240411874Abstract: Systems, methods, and computer program products are provided for disparate quantum computing (QC) detection. An example system includes QC detection data generation circuitry configured to generate a set of QC detection data. The example system further includes cryptographic circuitry configured to distort the set of QC detection data via a first PQC cryptographic technique, generate a pair of asymmetric cryptographic keys comprising a public cryptographic key and a private cryptographic key via a second PQC cryptographic technique, generate encrypted QC detection data from the distorted set of QC detection data based on the pair of asymmetric cryptographic keys, and destroy the private cryptographic key. The example system further includes data monitoring circuitry configured to monitor a set of data environments for electronic information related to the encrypted QC detection data.Type: ApplicationFiled: January 16, 2024Publication date: December 12, 2024Inventors: Ramanathan Ramanathan, Andrew J. Garner, IV, Abhijit Rao, Pierre Arbajian, Michael Erik Meinholz, Omar B. Khan, Ramesh Yarlagadda
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Patent number: 12126713Abstract: Systems, methods, and computer program products are provided for quantum computing (QC) detection. An example QC detection system includes QC detection data generation circuitry that generates QC detection data. The QC detection system also includes cryptographic circuitry that distorts the QC detection data via a first post-quantum cryptographic (PQC) technique and generates a pair of asymmetric cryptographic keys including a public cryptographic key and a private cryptographic key. The cryptographic circuitry further generates encrypted QC detection data based on the pair of asymmetric cryptographic keys and destroys the private cryptographic key. The QC detection system further includes data monitoring circuitry that monitors a set of data environments for electronic information related to the encrypted QC detection data.Type: GrantFiled: January 17, 2020Date of Patent: October 22, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Ramanathan Ramanathan, Andrew J. Garner, IV, Abhijit Rao, Pierre Arbajian, Michael Erik Meinholz, Omar B. Khan, Ramesh Yarlagadda
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Patent number: 12074967Abstract: Systems, apparatuses, methods, and computer program products are disclosed for gathering performance information for post-quantum cryptography (PQC) is provided. An example method includes generating, by a quantum computing (QC) detection data generation circuitry, QC detection data and encrypting, by a PQC cryptographic circuitry and by a first neural network, the QC detection data based on a PQC technique, where the first neural network is trained to encrypt the QC detection data using the PQC technique. The example method further includes decrypting, by a PQC decryption circuitry and by a second neural network, the encrypted QC detection data wherein the second neural network is trained to decrypt data, and storing encryption metadata and decryption metadata as PQC cryptographic performance information associated with the PQC technique.Type: GrantFiled: April 12, 2023Date of Patent: August 27, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Ramanathan Ramanathan, Abhijit Rao, Adam Sanders, Michael Erik Meinholz, Bradford A. Shea, Pierre Arbajian, Andrew J. Garner, IV, Ramesh Yarlagadda
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Publication number: 20240236093Abstract: A method, apparatus, and computer program product for offline authentication are provided. An example method includes receiving, by a computing device, a request for authentication from a first user device associated with a first user. The request includes first authentication credentials generated based upon user attributes retrieved by the first user device from a digital identity construct database at a first time. The method includes determining an offline condition of the computing device at a first time. The method also includes obtaining, by the computing device, second authentication credentials associated with the first user that are based upon one or more user attributes retrieved by the computing device from the digital identity construct database at a second time later than the first time. The method incudes determining a discrepancy between the first and second authentication credentials and authenticating the first user based upon a forecast operation of the same.Type: ApplicationFiled: March 26, 2024Publication date: July 11, 2024Inventors: Peter Bordow, Jeff J. Stapleton, Ramesh Yarlagadda
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Publication number: 20240211560Abstract: A method, apparatus, and computer program product for proactive offline authentication are provided. An example method includes determining a current offline condition of a computing device at a first time and determining a prior online condition of the computing device at a second time that is earlier than the first time at which the computing device generated second authentication credentials based upon one or more user attributes obtained from a digital identity construct database associated with a first user at the second time. The method further includes obtaining, at the first time, first authentication credentials associated with the first user and determining a discrepancy between the first and the second authentication credentials. In response to the determined discrepancy, the method includes generating an authentication token based upon the second authentication credentials for authenticating a first user device of the first user with the computing device.Type: ApplicationFiled: March 4, 2024Publication date: June 27, 2024Inventors: Peter Bordow, Jeff J. Stapleton, Ramesh Yarlagadda
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Patent number: 11973755Abstract: A method, apparatus, and computer program product for offline authentication are provided. An example method includes receiving, by a computing device, a request for authentication from a first user device associated with a first user. The request includes first authentication credentials generated based upon user attributes retrieved by the first user device from a digital identity construct database at a first time. The method includes determining an offline condition of the computing device at a first time. The method also includes obtaining, by the computing device, second authentication credentials associated with the first user that are based upon one or more user attributes retrieved by the computing device from the digital identity construct database at a second time later than the first time. The method incudes determining a discrepancy between the first and second authentication credentials and authenticating the first user based upon a forecast operation of the same.Type: GrantFiled: July 30, 2021Date of Patent: April 30, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Peter Bordow, Jeff J. Stapleton, Ramesh Yarlagadda
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Patent number: 11947642Abstract: A method, apparatus, and computer program product for proactive offline authentication are provided. An example method includes determining a current offline condition of a computing device at a first time and determining a prior online condition of the computing device at a second time that is earlier than the first time at which the computing device generated second authentication credentials based upon one or more user attributes obtained from a digital identity construct database associated with a first user at the second time. The method further includes obtaining, at the first time, first authentication credentials associated with the first user and determining a discrepancy between the first and the second authentication credentials. In response to the determined discrepancy, the method includes generating an authentication token based upon the second authentication credentials for authenticating a first user device of the first user with the computing device.Type: GrantFiled: August 17, 2021Date of Patent: April 2, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Peter Bordow, Jeff J. Stapleton, Ramesh Yarlagadda
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Publication number: 20240086818Abstract: Apparatuses, methods, and computer program products are provided for improved model compliance. An example method includes receiving a product model that is generated from user data associated with a plurality of users and receiving a first regulation offending model that is non-compliant with respect to a first regulatory factor. The method also includes analyzing the product model with the first regulation offending model and generating a first regulation compliance score for the product model with respect to the first regulatory factor. The method further includes determining whether the first regulation compliance score satisfies a first regulatory factor threshold. In an instance in which the first regulation compliance score fails to satisfy the first regulatory factor threshold, the method includes generating a first violation notification or modify the product model.Type: ApplicationFiled: November 23, 2022Publication date: March 14, 2024Inventors: Ramesh YARLAGADDA, Pierre ARBAJIAN, Andrew J. GARNER, Ramanathan RAMANATHAN, Abhijit RAO, Joon MAENG
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Patent number: 11914707Abstract: Systems, methods, and computer program products are provided for disparate quantum computing (QC) detection. An example system includes QC detection data generation circuitry that generates a first set of QC detection data and generates a second set of QC detection data. The system also includes cryptographic circuitry that generates a first public cryptographic key and a first private cryptographic key via a first post-quantum cryptographic (PQC) technique and generates a second public cryptographic key and a second private cryptographic key via a second PQC technique. The cryptographic circuitry further generates encrypted first QC detection, second QC detection data, and destroys the first private cryptographic key and the second private cryptographic key. The system further includes data monitoring circuitry that monitors for the first encrypted QC detection data and the second encrypted QC detection data.Type: GrantFiled: April 19, 2022Date of Patent: February 27, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Ramanathan Ramanathan, Andrew J. Garner, IV, Abhijit Rao, Pierre Arbajian, Michael Erik Meinholz, Omar B. Khan, Ramesh Yarlagadda
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Patent number: 11838410Abstract: Systems, apparatuses, methods, and computer program products are disclosed for gathering performance information for post-quantum cryptography (PQC) is provided. An example method includes generating, by a QC detection data generation circuitry, QC detection data. The example method further includes encrypting, by a PQC cryptographic circuitry, the QC detection data based on a PQC cryptographic technique The example method further includes decrypting, by a PQC decryption circuitry, the QC detection data. The example method further includes storing, by a PQC cryptographic performance circuitry, encryption metadata generated by the PQC cryptographic circuitry and decryption metadata generated by the PQC decryption circuitry as PQC cryptographic performance information associated with the PQC cryptographic technique.Type: GrantFiled: January 30, 2020Date of Patent: December 5, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Ramanathan Ramanathan, Abhijit Rao, Adam Sanders, Michael Erik Meinholz, Bradford A. Shea, Pierre Arbajian, Andrew J. Garner, IV, Ramesh Yarlagadda
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Patent number: 11727829Abstract: Systems, apparatuses, methods, and computer program products are disclosed for post-quantum cryptography (PQC). An example method includes receiving data, a set of data attributes about the data, and a risk profile data structure indicative of a vulnerability of the data in a PQC data environment. The example method further includes retrieving PQC cryptographic performance information associated with a set of PQC cryptographic techniques. The PQC cryptographic performance information may comprise a set of PQC cryptographic performance attributes for a plurality of PQC cryptographic techniques in the set of PQC cryptographic techniques. The example method further includes selecting a PQC encryption algorithm for encrypting the data based on the set of data attributes, the risk profile data structure, the PQC cryptographic performance information, and a PQC optimization machine learning model. Subsequently, the example method includes encrypting the data based on the selected PQC encryption algorithm.Type: GrantFiled: March 29, 2022Date of Patent: August 15, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Pierre Arbajian, Adam Sanders, Andrew J. Garner, Michael Erik Meinholz, Ramesh Yarlagadda, Ramanathan Ramanathan, Abhijit Rao, Bradford A. Shea
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Publication number: 20230254132Abstract: Systems, apparatuses, methods, and computer program products are disclosed for gathering performance information for post-quantum cryptography (PQC) is provided. An example method includes generating, by a quantum computing (QC) detection data generation circuitry, QC detection data and encrypting, by a PQC cryptographic circuitry and by a first neural network, the QC detection data based on a PQC technique, where the first neural network is trained to encrypt the QC detection data using the PQC technique. The example method further includes decrypting, by a PQC decryption circuitry and by a second neural network, the encrypted QC detection data wherein the second neural network is trained to decrypt data, and storing encryption metadata and decryption metadata as PQC cryptographic performance information associated with the PQC technique.Type: ApplicationFiled: April 12, 2023Publication date: August 10, 2023Inventors: Ramanathan Ramanathan, Abhijit Rao, Adam Sanders, Michael Erik Meinholz, Bradford A. Shea, Pierre Arbajian, Andrew J. Garner, IV, Ramesh Yarlagadda