Patents by Inventor Ravi Joshi
Ravi Joshi 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: 12462003Abstract: Systems, computer program products, and methods are described herein for implementing a multi-component authentication using pre-determined sequences and indicators in an electronic network.Type: GrantFiled: March 17, 2023Date of Patent: November 4, 2025Assignee: BANK OF AMERICA CORPORATIONInventors: Anna Kristen Pingel Berry, Olga Kocharyan, Ravi Joshi, Luqman Sharief, Michael Wm. Whitaker, Benjamin Daniel Hardman, Shweta Ambulkar, Angela Ianni
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Patent number: 12452232Abstract: A method includes receiving a hash of a static password and a hash of a lot-one authentication string from a user device of a user. After an initial validation, an authentication matrix is generated. A block selection process is performed to select spurious and authentication blocks from the authentication matrix. The authentication blocks are selected based on a lot-two authentication string associated with the lot-one authentication string. In response to determining that the spurious and authentication blocks are selected according to a block selection sequence stored in a user profile of the user, a dynamic password is generated by combining the static password, the lot-one authentication string, and the authentication blocks. A hash of the dynamic password is generated. In response to determining that the hash of the dynamic password matches a hash of a dynamic password that is stored in the user profile, the user is authenticated.Type: GrantFiled: October 10, 2023Date of Patent: October 21, 2025Assignee: Bank of America CorporationInventors: Ravi Joshi, Anna Kristen Pingel Berry, Olga Caroline Kocharyan, Luqman Abdul Hakeem Sharief, Shweta Ambulkar, Angela F. Ianni, Michael William Whitaker, Benjamin Daniel Hardman
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Patent number: 12450319Abstract: A method includes receiving hashes of a static password and a lot-one authentication string from a user device of a user. After an initial validation, a first authentication matrix (AM) is generated. A block selection process is performed to select spurious and authentication blocks. While performing the block selection process, the first AM is replaced by a second AM, such that a first authentication block is selected from the first AM based on a first lot-two authentication string and a second authentication block is selected from the second AM based on a second lot-two authentication string. A dynamic password is generated by combining the static password, the lot-one authentication string, and the authentication blocks. A hash of the dynamic password is generated. In response to determining that the hash of the dynamic password matches a hash of a dynamic password stored in a user profile, the user is authenticated.Type: GrantFiled: October 10, 2023Date of Patent: October 21, 2025Assignee: Bank of America CorporationInventors: Ravi Joshi, Anna Kristen Pingel Berry, Olga Caroline Kocharyan, Luqman Abdul Hakeem Sharief, Shweta Ambulkar, Angela F. Ianni, Michael William Whitaker, Benjamin Daniel Hardman
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Patent number: 12418415Abstract: Multifactor user authentication leveraging secure tokenization, such as a Non-Fungible Token (NFT) and multiple passkeys (e.g., bifurcated passkey). One or more authentication NFTs are generated that use some form of a user's authentication credentials as the seed input for the NFT encryption/hash algorithm(s). In addition, passkeys are distributed to and/or made accessible to multiple passkey holders. In response to an event that requests multifactor authentication of the user, a plurality passkeys are requested, received and verified. Each of the passkeys being requested and received from, or at the directive of, one of the multiple passkey holders. In response to verifying the plurality of passkeys, at least one of the authentication NFTs is accessed and the cryptographic hash algorithm(s) is implemented to decrypt the authentication NFT(s) and identify the one or more user credentials.Type: GrantFiled: September 26, 2022Date of Patent: September 16, 2025Assignee: BANK OF AMERICA CORPORATIONInventors: Anna Kristen Pingel Berry, Shweta Ambulkar, Benjamin Daniel Hardman, Angela Ianni, Ravi Joshi, Olga Kocharyan, Luqman Sharief, Michael Wm. Whitaker
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Publication number: 20250245648Abstract: A method includes receiving a first NFT from a first user. The first NFT is associated with a first digital folder of the first user. A second NFT is received from a second user. The second NFT is associated with a second digital folder of the second user. The second NFT represents a first interaction request from the second user. A blockchain is searched to identify the first digital folder associated with the first NFT. The blockchain is searched to identify the second digital folder associated with the second NFT. A first interaction corresponding to the first interaction request is performed between the first digital folder and the second digital folder. The first interaction is recorded in a distributed ledger.Type: ApplicationFiled: January 26, 2024Publication date: July 31, 2025Inventors: Ravi Joshi, Anna Kristen Pingel Berry, Olga Caroline Kocharyan, Luqman Abdul Hakeem Sharief, Shweta Ambulkar, Angela F. Ianni, Michael William Whitaker, Benjamin Daniel Hardman
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Patent number: 12335262Abstract: Systems, computer program products, and methods are described herein for implementing a single point multi-component authentication using a pre-determined sequence in an electronic network.Type: GrantFiled: March 17, 2023Date of Patent: June 17, 2025Assignee: BANK OF AMERICA CORPORATIONInventors: Anna Kristen Pingel Berry, Olga Kocharyan, Ravi Joshi, Luqman Sharief, Michael Wm. Whitaker, Benjamin Daniel Hardman, Shweta Ambulkar, Angela Ianni
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Publication number: 20250184144Abstract: The invention relates to adaptation/alteration of a digital file referenced to a Non-Fungible Token (NFT) via NFT metadata-defined adaptation rules and criteria, i.e., predefined conditions or events that trigger the occurrence of digital file adaptation. The adapted digital file may be presented to indicate a change in a state associated with a specific type of NFT. The NFT may be an authentication NFT used to verify the identity of a user/users, and the digital file may be presented within computing networks or applications for conveying user authenticity to other users within the computing network or application. The predefined conditions are security events that have a positive/negative impact on the authenticity of the user or group of users. Occurrence of one or more of the predefined security events triggers adaptation and presentation of the adapted digital file indicating an increase/decrease in the level of authenticity associated with the user/users.Type: ApplicationFiled: February 5, 2025Publication date: June 5, 2025Applicant: BANK OF AMERICA CORPORATIONInventors: Anna Kristen Pingel Berry, Shweta Ambulkar, Benjamin Daniel Hardman, Angela Ianni, Ravi Joshi, Olga Kocharyan, Luqman Sharief, Michael Wm. Whitaker
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Publication number: 20250184142Abstract: The invention relates to adaptation/alteration of a digital file referenced to a Non-Fungible Token (NFT) via NFT metadata-defined adaptation rules and criteria, i.e., predefined conditions or events that trigger the occurrence of digital file adaptation. The adapted digital file may be presented to indicate a change in a state associated with a specific type of NFT. The NFT may be an authentication NFT used to verify the identity of a user/users, and the digital file may be presented within computing networks or applications as a means of conveying user authenticity to other users within the computing network or application. The predefined conditions are security events that have a positive/negative impact on the authenticity of the user or group of users. Occurrence of one or more of the predefined security events triggers adaptation and presentation of the adapted digital file indicating an increase/decrease in the level of authenticity associated with the user/users.Type: ApplicationFiled: February 5, 2025Publication date: June 5, 2025Applicant: BANK OF AMERICA CORPORATIONInventors: Anna Kristen Pingel Berry, Shweta Ambulkar, Benjamin Daniel Hardman, Angela Ianni, Ravi Joshi, Olga Kocharyan, Luqman Sharief, Michael Wm. Whitaker
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Publication number: 20250184143Abstract: The invention relates to adaptation/alteration of a digital file referenced to a Non-Fungible Token (NFT) via NFT metadata-defined adaptation rules and criteria, i.e., predefined conditions or events that trigger the occurrence of digital file adaptation. The adapted digital file may be presented to indicate a change in a state associated with a specific type of NFT. The NFT may be an authentication NFT used to verify the identity of a user/users, and the digital file may be presented within computing networks or applications for conveying user authenticity to other users within the computing network or application. The predefined conditions are security events that have a positive/negative impact on the authenticity of the user or group of users. Occurrence of one or more of the predefined security events triggers adaptation and presentation of the adapted digital file indicating an increase/decrease in the level of authenticity associated with the user/users.Type: ApplicationFiled: February 5, 2025Publication date: June 5, 2025Applicant: BANK OF AMERICA CORPORATIONInventors: Anna Kristen Pingel Berry, Shweta Ambulkar, Benjamin Daniel Hardman, Angela Ianni, Ravi Joshi, Olga Kocharyan, Luqman Sharief, Michael Wm. Whitaker
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Patent number: 12294653Abstract: Adaptation/alteration of the digital file referenced to an underlying Non-Fungible Token (NFT). Adaptation/alteration of the digital file occurs via NFT metadata-defined adaptation rules and criteria, i.e., predefined conditions or events that trigger the occurrence of digital file adaptation. The adapted digital file may be presented to users to indicate a change in a state associated with a specific type of NFT. For example, the NFT may be an authentication NFT used to verify the identity of a user/users and the digital file may be presented within computing networks or applications as a means of conveying user authenticity to other users within the computing network or application. The predefined conditions are security events that have a positive/negative impact on the authenticity of the user or group of users.Type: GrantFiled: January 20, 2023Date of Patent: May 6, 2025Assignee: BANK OF AMERICA CORPORATIONInventors: Anna Kristen Pingel Berry, Shweta Ambulkar, Benjamin Daniel Hardman, Angela Ianni, Ravi Joshi, Olga Kocharyan, Luqman Sharief, Michael Wm. Whitaker
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Publication number: 20250119423Abstract: A method includes receiving a hash of a static password and a hash of a lot-one authentication string from a user device of a user. After an initial validation, an authentication matrix is generated. A block selection process is performed to select spurious and authentication blocks from the authentication matrix. The authentication blocks are selected based on a lot-two authentication string associated with the lot-one authentication string. In response to determining that the spurious and authentication blocks are selected according to a block selection sequence stored in a user profile of the user, a dynamic password is generated by combining the static password, the lot-one authentication string, and the authentication blocks. A hash of the dynamic password is generated. In response to determining that the hash of the dynamic password matches a hash of a dynamic password that is stored in the user profile, the user is authenticated.Type: ApplicationFiled: October 10, 2023Publication date: April 10, 2025Inventors: Ravi Joshi, Anna Kristen Pingel Berry, Olga Caroline Kocharyan, Luqman Abdul Hakeem Sharief, Shweta Ambulkar, Angela F. Ianni, Michael William Whitaker, Benjamin Daniel Hardman
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Publication number: 20250117463Abstract: A method includes receiving hashes of a static password and a lot-one authentication string from a user device of a user. After an initial validation, a first authentication matrix (AM) is generated. A block selection process is performed to select spurious and authentication blocks. While performing the block selection process, the first AM is replaced by a second AM, such that a first authentication block is selected from the first AM based on a first lot-two authentication string and a second authentication block is selected from the second AM based on a second lot-two authentication string. A dynamic password is generated by combining the static password, the lot-one authentication string, and the authentication blocks. A hash of the dynamic password is generated. In response to determining that the hash of the dynamic password matches a hash of a dynamic password stored in a user profile, the user is authenticated.Type: ApplicationFiled: October 10, 2023Publication date: April 10, 2025Inventors: Ravi Joshi, Anna Kristen Pingel Berry, Olga Caroline Kocharyan, Luqman Abdul Hakeem Sharief, Shweta Ambulkar, Angela F. Ianni, Michael William Whitaker, Benjamin Daniel Hardman
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Publication number: 20240344762Abstract: A fluid delivery system for an appliance includes a fluid line in selective communication with a fluid source. A shelf defines a fill zone positioned below an underside of the shelf. A shelf spigot is coupled with the fluid line and disposed proximate the underside of the shelf and over the fill zone. A fluid level sensor is positioned in communication with the fill zone. The fluid level sensor is also in communication with a controller that regulates a flow of fluid through the shelf spigot.Type: ApplicationFiled: June 24, 2024Publication date: October 17, 2024Applicant: WHIRLPOOL CORPORATIONInventors: Kaito Choy, Ravi Joshi, Vikas C. Mruthyunjaya, Henrique Keiji Arai Yamaki
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Publication number: 20240311803Abstract: Generation of an NFT digital wallet that stores an NFT that serves as verified identity for the user. Both a private side/portion of the wallet having a private address and public side/portion of the wallet having a public address are generated. Additionally, a set of rules are configured that provide gateway functionality for receiving resource-related events using the private address. The public address is used for transmitting outgoing resource-related events and receiving incoming resource-related events, while the private address is used to validate at least some of the incoming resource-related events. The incoming resource-related events requiring validation is defined by the set of rules. In use, launching of the NFT digital wallet and user authentication via NFT presentation prompts presentation of the private side and outstanding incoming resource-related events awaiting validation.Type: ApplicationFiled: March 17, 2023Publication date: September 19, 2024Applicant: BANK OF AMERICA CORPORATIONInventors: Ravi Joshi, Shweta Ambulkar, Anna Kristen Pingel Berry, Benjamin Daniel Hardman, Angela Ianni, Olga Kocharyan, Luqman Sharief, Michael Wm. Whitaker
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Publication number: 20240311453Abstract: Systems, computer program products, and methods are described herein for implementing a multi-component authentication using pre-determined sequences and indicators in an electronic network.Type: ApplicationFiled: March 17, 2023Publication date: September 19, 2024Applicant: BANK OF AMERICA CORPORATIONInventors: Anna Kristen Pingel Berry, Olga Kocharyan, Ravi Joshi, Luqman Sharief, Michael Wm. Whitaker, Benjamin Daniel Hardman, Shweta Ambulkar, Angela Ianni
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Publication number: 20240314127Abstract: Systems, computer program products, and methods are described herein for implementing a single point multi-component authentication using a pre-determined sequence in an electronic network.Type: ApplicationFiled: March 17, 2023Publication date: September 19, 2024Applicant: BANK OF AMERICA CORPORATIONInventors: Anna Kristen Pingel Berry, Olga Kocharyan, Ravi Joshi, Luqman Sharief, Michael Wm. Whitaker, Benjamin Daniel Hardman, Shweta Ambulkar, Angela Ianni
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Patent number: 12050049Abstract: A fluid delivery system for an appliance includes a fluid line in selective communication with a fluid source. A shelf defines a fill zone positioned below an underside of the shelf. A shelf spigot is coupled with the fluid line and disposed proximate the underside of the shelf and over the fill zone. A fluid level sensor is positioned in communication with the fill zone. The fluid level sensor is also in communication with a controller that regulates a flow of fluid through the shelf spigot.Type: GrantFiled: April 14, 2023Date of Patent: July 30, 2024Assignee: Whirlpool CorporationInventors: Kaito Choy, Ravi Joshi, Vikas C. Mruthyunjaya, Henrique Keiji Arai Yamaki
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Publication number: 20240250818Abstract: Adaptation/alteration of the digital file referenced to an underlying Non-Fungible Token (NFT). Adaptation/alteration of the digital file occurs via NFT metadata-defined adaptation rules and criteria, i.e., predefined conditions or events that trigger the occurrence of digital file adaptation. The adapted digital file may be presented to users to indicate a change in a state associated with a specific type of NFT. For example, the NFT may be an authentication NFT used to verify the identity of a user/users and the digital file may be presented within computing networks or applications as a means of conveying user authenticity to other users within the computing network or application. The predefined conditions are security events that have a positive/negative impact on the authenticity of the user or group of users.Type: ApplicationFiled: January 20, 2023Publication date: July 25, 2024Applicant: BANK OF AMERICA CORPORATIONInventors: Anna Kristen Pingel Berry, Shweta Ambulkar, Benjamin Daniel Hardman, Angela Ianni, Ravi Joshi, Olga Kocharyan, Luqman Sharief, Michael Wm. Whitaker
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Publication number: 20240106649Abstract: Multifactor user authentication leveraging secure tokenization, such as a Non-Fungible Token (NFT) and multiple passkeys (e.g., bifurcated passkey). One or more authentication NFTs are generated that use some form of a user's authentication credentials as the seed input for the NFT encryption/hash algorithm(s). In addition, passkeys are distributed to and/or made accessible to multiple passkey holders. In response to an event that requests multifactor authentication of the user, a plurality passkeys are requested, received and verified. Each of the passkeys being requested and received from, or at the directive of, one of the multiple passkey holders. In response to verifying the plurality of passkeys, at least one of the authentication NFTs is accessed and the cryptographic hash algorithm(s) is implemented to decrypt the authentication NFT(s) and identify the one or more user credentials.Type: ApplicationFiled: September 26, 2022Publication date: March 28, 2024Applicant: BANK OF AMERICA CORPORATIONInventors: Anna Kristen Pingel Berry, Shweta Ambulkar, Benjamin Daniel Hardman, Angela Ianni, Ravi Joshi, Olga Kocharyan, Luqman Sharief, Michael Wm. Whitaker
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Patent number: 11781805Abstract: A refrigerator water dispenser includes a shelf having a lower surface. A water dispenser tube is disposed adjacent to the shelf for dispensing water into a container. An actuator support is operably coupled to the lower surface of the shelf. A load cell is disposed on the actuator support, wherein the load cell sends a signal in response to movement by the actuator support. A controller is operably coupled to the load cell, wherein the controller activates a water dispensing sequence to dispense water via the water dispenser tube in response to the signal from the load cell.Type: GrantFiled: November 2, 2022Date of Patent: October 10, 2023Assignee: Whirlpool CorporationInventors: Atishkumar S. Dhage, Vikas C. Mruthyunjaya, Caroline Ruella Paiva Torres, Henrique Keiji Arai Yamaki, Ravi Joshi