Patents by Inventor Rameshchandra Bhaskar Ketharaju
Rameshchandra Bhaskar Ketharaju 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: 11631269Abstract: Potentially fraudulent documents can be identified automatically and flagged for further review. Document fraud detection can include a number of fraud detection tests, where if the document fails any of the tests, the document can be flagged for further review. Various tests can be performed that seek to determine whether a document has been altered. In one instance, a financial instrument can be scanned and analyzed to identify one or more layers associated with the financial instrument from a scanned representation, and a check of transaction details can be triggered when the financial instrument is associated with multiple layers.Type: GrantFiled: August 4, 2020Date of Patent: April 18, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Rameshchandra Bhaskar Ketharaju, Ramanathan Ramanathan, Ramakrishna Bejjanki, Sumanth Kumar Charugundla, Prasanna K. Ammiraju
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Patent number: 11599670Abstract: Composite biometric authentication is provided to multiple users that share a financial account. The users can enroll the account for composite biometric authentication. The enrollment can include recording multiple biometrics of each user and storing them as a composite to use in authenticating user requests to authorize transactions involving the shared financial account. A unique combination of biometrics can be generated including a biometric of the multiple biometrics of each of the users and stored such that the unique combination must be provided to authenticate a future user request. To proceed with a transaction, a user of the multiple users initiates the transaction and provides their part of the unique combination. The other users provide their part of the unique combination by providing the specific biometric of the multiple biometrics they have previously provided. The transaction proceeds when all shares of the unique combination are provided and authenticated.Type: GrantFiled: August 13, 2021Date of Patent: March 7, 2023Assignee: Wells Fargo Bank, N.A.Inventor: Rameshchandra Bhaskar Ketharaju
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Patent number: 11595425Abstract: A user device and a server conduct a secure online transaction. The user device transmits received user login and credentials to the server, as well as one or more properties of the user device, such as a list of applications stored on the user device. The server transmits one or more restrictions back to the user device, such as which ports to close, which applications to close, and what features of applications and the operating system should be limited during the transaction. After implementing the restrictions, the user device and the server conduct the online transaction. A unique ID may be transmitted throughout the transaction and the unique ID may be a hash. After the transaction, the user device purges transaction data, restores normal operation, and notifies the server. The transaction may be conducted in a second tunnel and the other communication via a first tunnel.Type: GrantFiled: January 6, 2020Date of Patent: February 28, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Naveen Saichand Palle, Rameshchandra Bhaskar Ketharaju, Ramanathan Ramanathan
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Patent number: 11556951Abstract: Systems, methods, and apparatuses for facilitating augmented reality (AR) rewards are described herein. The system includes a sensor network configured to transmit and receive sensor data within an environment. A first user device associated with a first user and a second user device associated with a second user are configured to communicate with the sensor network and determine a position and an entity positioning characteristic of the first user and the second user, respectively. A computing device is configured to receive the sensor data including the position and entity position characteristics of the first and second users. The computing device is also configured to determine a behavior of the first and second users based on the received data. The computing device is also configured to generate a plurality of reward tokens. Each of the reward tokens is associated with a behavior characteristic.Type: GrantFiled: January 12, 2021Date of Patent: January 17, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Andrew J. Garner, IV, Chris Theodore Kalaboukis, Rameshchandra Bhaskar Ketharaju, Joon Maeng, Andres J. Saenz, Ramanathan Ramanathan, Abhijit Rao
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Patent number: 11544278Abstract: Aspects disclosed pertain to providing trust recommendations. The innovation receives fidelity data of an advisor. The fidelity data can include audio or visual data of the advisor in which the advisor is providing advice. A trust score for the advisor is determined based on a biometric or other analysis of the fidelity data. The trust score is compared to a threshold trust score to determine a recommendation to the user. The recommendation can be to trust or distrust the advisor or the advice. The recommendation is communicated or otherwise provided to the user.Type: GrantFiled: April 26, 2021Date of Patent: January 3, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Swati Bose, Rameshchandra Bhaskar Ketharaju, Arshad A. Shaik
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Patent number: 11539523Abstract: Systems and techniques for data creation limits are described herein. In an example, a data creation limits system is adapted to receive data and split the data into a plurality of portions based on entity interests in each of the plurality of portions. The data creation limits system may be further adapted to generate respective tokens for each portion of the plurality of portions. The data creation limits system may be further adapted to assign an owner to a token of the respective tokens, the token corresponding to a portion of the plurality of portions and assigning the owner based on the owner having an entity interest in creation of the portion. The data creation limits system may be further adapted to generate a script, using the token, for access to the portion. The data creation limits system may be further adapted to save the portion including the token.Type: GrantFiled: July 22, 2020Date of Patent: December 27, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Darius A. Miranda, Rajiv Ranjan, Uma Meyyappan, Chris Theodore Kalaboukis, Joon Maeng, Ramanathan Ramanathan, Abhijit Rao, Abhijit Shetti, Rameshchandra Bhaskar Ketharaju, Chandramouli Subramanian
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Patent number: 11508009Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems, methods and computer program products that enable transactions requested by a user using a trade asset card. The innovation enables the transactions to be completed in real time or near real time per pre-determined rules and settings, or audited changes to rules and settings, while staying perpetually invested in the user's investment portfolio.Type: GrantFiled: May 22, 2017Date of Patent: November 22, 2022Assignee: WELLS FARGO BANK, N.A.Inventors: Rameshchandra Bhaskar Ketharaju, Manish Pandey, Prabal Nandi, Shanmukeswara Rao Donkada
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Patent number: 11481849Abstract: Techniques are described for providing insurance coverage for a virtual wallet stored on a computing device. The virtual wallet has a value equal to a sum of assigned values of a plurality of virtual financial assets included in the virtual wallet. A user of the computing device purchases an insurance policy for the virtual wallet with an insured amount based on the value of the virtual wallet. The computing device is configured to send messages to an insurance server reporting an updated value of the virtual wallet based on changes to the assigned values of the virtual financial assets. The insurance server updates the insured amount of the insurance policy based on the updated value of the virtual wallet. Upon the virtual wallet being compromised, the insurance policy has an insured amount equal to the most recent updated value of the virtual wallet.Type: GrantFiled: August 27, 2020Date of Patent: October 25, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Rameshchandra Bhaskar Ketharaju, Ramya Balasubramanian
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Patent number: 11468486Abstract: Vehicle transactions can be facilitated based on location. A customer location can be tracked relative to vehicles at a dealer location. A customer in close proximity to a particular vehicle at a dealer location can be detected, and a finance agreement can be generated between a financing party, the customer, and the dealer of the vehicle based on the detection of the customer and the vehicle. Further, a mechanism is provided to aid execution of the finance agreement as a contract between the customer, the financing party, and the dealer to finalize a sale or lease of the vehicle.Type: GrantFiled: September 19, 2019Date of Patent: October 11, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Vasudev Tumkur Umapathi, Ramesh Chinnasamy, Rameshchandra Bhaskar Ketharaju, Ramanathan Ramanathan, Shanmukeswara Rao Donkada, Parul Ghosh
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Publication number: 20220277276Abstract: A method for using an existing credit card of an individual in a foreign country includes receiving a request to allocate an amount of money for use with the credit card in the foreign country. The foreign country in which the individual is to travel is identified. A collaborative bank in the foreign country is identified. The collaborative bank is a financial institution that can implement a virtual account for the individual. A request is sent to the collaborative bank to allocate the amount of money for the virtual account. The credit card is permitted to be used to make purchases in the foreign country using the amount of money allocated to the virtual account.Type: ApplicationFiled: October 18, 2018Publication date: September 1, 2022Inventors: Srinivasan Madhavan, Ramanathan Ramanathan, Seetha Gurunathan, Shanmukeswara Rao Donkada, Rameshchandra Bhaskar Ketharaju
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Patent number: 11416635Abstract: Various examples are directed to computer-implemented systems and methods for providing a pseudonymous browsing mode. A method includes receiving, by a processor of a computer, input from a user requesting a level of anonymity for a session on an application or website, where the level of anonymity is between open browsing and completely incognito browsing. The processor programs an avatar configured to provide the level of anonymity to an identity of the user and data generated by the user based on the received input. The processor uses the avatar to control an amount of data shared by the user with the application or website to provide the level of anonymity to an identity of the user and data generated by the user.Type: GrantFiled: July 10, 2020Date of Patent: August 16, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Darius A. Miranda, Rajiv Ranjan, Uma Meyyappan, Dennis E. Montenegro, Pankaj Parekh, Chris Theodore Kalaboukis, Joon Maeng, Ramanathan Ramanathan, Abhijit Rao, Abhijit Shetti, Rameshchandra Bhaskar Ketharaju, Chandramouli Subramanian
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Patent number: 11392950Abstract: A method for authenticating an individual for login to a server computer includes receiving at the server computer data for a first authentication image from an electronic computing device. First attributes are identified of one or more similar geometrical shapes from the data for the first authentication image. A determination is made as to whether the first attributes of the one or more similar geometrical shapes from the data for the first authentication image correspond to second attributes from a second authentication image accessible on or by the server computer. When the first attributes correspond to the second attributes, the individual is authenticated on the server computer.Type: GrantFiled: February 6, 2020Date of Patent: July 19, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Rameshchandra Bhaskar Ketharaju, Hemakumar Madabathula, Aditya Kishore Jonnalagadda, Saipavan K. Cherala, Ramanathan Ramanathan
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Publication number: 20220222662Abstract: The various aspects discussed herein provide business customers with an option to dynamically establish a smart contract with the service provider that is offering the services with the minimum fee for a transaction, or based on other parameters. Block chain technology may be utilized to provide a platform for all service providers to bid for the lowest service fee (or other parameters) for a transaction (or set of transactions). Thus, the business application may launch the service provider that has the lowest bid or lowest service fee at run time.Type: ApplicationFiled: December 28, 2017Publication date: July 14, 2022Inventors: Rameshchandra Bhaskar Ketharaju, Swapna Gurugubelli, Priyansha Mudaliar
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Patent number: 11375027Abstract: Embodiments of the present disclosure provide for improvements in managing connection channels for multiple associated users. As connection channel changes occur for one or more users, various connection channels are updated such that appropriate functionality is accessible as determined based on aspects of the connection channel change. Example embodiments provide for establishing a plurality of connection channels associated with a plurality of user data objects, where each of the plurality of connection channels enables access to functionality associated with a shared electronic data object via one of a plurality of computing devices, detecting, for a first user data object of the plurality of user data objects, a connection channel change associated with a first connection channel corresponding to a first computing device, and updating the functionality associated with the shared electronic data object for at least one of the plurality of connection channels based on the connection channel change.Type: GrantFiled: October 28, 2020Date of Patent: June 28, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Ramanathan Ramanathan, Chris Theodore Kalaboukis, Andrew J. Garner, IV, Abhijit Rao, Joon Maeng, Andres J. Saenz, Rameshchandra Bhaskar Ketharaju
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Patent number: 11367356Abstract: Techniques discussed herein describe an example system for managing a fleet of vehicles. A server determines whether to provision a service for a vehicle based on telemetry data received from a telemetry module on the vehicle in a fleet of vehicles. The telemetry data includes a first location and status information of the vehicle. The server identifies a vendor to provide the service and directs the vehicle to a second location of the vendor from the first location of the vehicle. The server provides authorization to the vehicle for an on-board transaction module to initiate a request for the service when the vehicle is at the second location of the vendor.Type: GrantFiled: March 16, 2020Date of Patent: June 21, 2022Assignee: Wells Fargo Bank, N.A.Inventor: Rameshchandra Bhaskar Ketharaju
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Patent number: 11354666Abstract: Systems and methods that facilitate authenticating a user making a payment using microelectromechanical systems (MEMs) devices (i.e., smart dust). The MEMs devices may have sensors that collect data and transfer it to a base station device. The MEMs devices can collect sensor data, including biometric data and/or capture images of the person. The MEMs can also collect sensor data such as audio data, optical data, temperature data, pressure data, and motion data and compare it to data associated with a user profile to determine that the person making the payment is the same person associated with the user profile. Once the person's identity has been confirmed, and thus authenticated, the payment request can be confirmed and payment made, via either the mobile device or credit card.Type: GrantFiled: May 26, 2016Date of Patent: June 7, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Rameshchandra Bhaskar Ketharaju, Sarath Chava, Prasad N. Sivalanka, Madhu V. Vempati
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Patent number: 11323523Abstract: Embodiments of the present disclosure provide for improvements in managing connection channels for multiple associated users. As connection channel changes occur for one or more users, various connection channels are updated such that appropriate functionality is accessible as determined based on aspects of the connection channel change.Type: GrantFiled: October 28, 2020Date of Patent: May 3, 2022Assignee: WELLS FARGO BANK, N.A.Inventors: Ramanathan Ramanathan, Chris Theodore Kalaboukis, Andrew J. Garner, IV, Abhijit Rao, Joon Maeng, Andres J. Saenz, Rameshchandra Bhaskar Ketharaju
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Patent number: 11308552Abstract: A distributed system includes a user device that is configured to identify a service provided by a service device; determine a specific amount of funds associated with the service; send, to a lending device, a real-time loan request associated with a loan, where the real-time loan request specifies at least an identifier of the user device and the specific amount of funds for the loan; receive, from the lending device, a digital token that specifies usage restrictions that are associated with (i) an approved amount of funds, (ii) a duration of the loan, and (iii) a payee associated with the service device; and send, to the service device, a real-time transaction request for the service provided by the service device, where the real-time transaction request includes the digital token that is redeemable by the payee associated with the service device for the approved amount of funds for the loan.Type: GrantFiled: December 20, 2019Date of Patent: April 19, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Joel Eric Boeder, Chris Theodore Kalaboukis, Rameshchandra Bhaskar Ketharaju, Joon Maeng, Ramanathan Ramanathan, Abhijit Rao, Andres J. Saenz, Makarand Shivadevuni
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Patent number: 11303632Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems and methods of authenticating customers and service agents. The innovation receives a connection request to connect a customer and a service agent. The customer is authenticated for the service agent by matching biometric data of the customer to previously stored biometric data using a biometric recognition algorithm. The service agent is authenticated for the customer by matching a unique identifier to a previously stored unique identifier. A confirmation notification is generated and sent to the service agent and the customer to confirm the authentications. A connection is established between the customer and the service agent according to the authentications and the connection request.Type: GrantFiled: June 8, 2018Date of Patent: April 12, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Vinod Mannattil, Satyavathi Divadari, Sridhara Rao Sidhu, Rameshchandra Bhaskar Ketharaju
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Patent number: 11263631Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems and methods of funds transfer authentication. The authentication can include receiving a transfer request to transfer funds from a payer to a payee, the transfer request identifies the payer, the payee, and an amount to transfer. Customer information associated respectively with the payer and the payee is identified. The payer and the payee are authenticated. A communication session is opened between the payer and payee. A time-limited payee OTP is generated and sent to the payee. The payee OTP is received within a first time limit. The funds are transferred from the payer to the payee based on receiving a matching payee OTP.Type: GrantFiled: October 25, 2018Date of Patent: March 1, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Mohammed Arif, Sajeev Philip, Shanmukeswara Rao Donkada, Ramanathan Ramanathan, Jayasree Iyer, Mathewbabu Edappilly Antony, Rameshchandra Bhaskar Ketharaju, Amit Tripathi, Arun Raj, Poornima Mahabaleshwarappa