Patents by Inventor Sajeev Philip

Sajeev Philip 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).

  • FUNDS TRANSFER AUTHENTICATION
    Publication number: 20230325834
    Abstract: 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: Application
    Filed: June 2, 2023
    Publication date: October 12, 2023
    Inventors: Mohammed Arif, Sajeev Philip, Shanmukeswara Rao Donkada, Ramanathan Ramanathan, Jayasree Iyer, Mathewbabu Edappilly Antony, Rameshchandra Bhaskar Ketharaju, Amit Tripathi, Arun Raj, Poornima Mahabeleshwarappa
  • Funds transfer authentication
    Patent number: 11704668
    Abstract: The innovation disclosed and claimed herein, in me 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: Grant
    Filed: January 20, 2022
    Date of Patent: July 18, 2023
    Assignee: 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 Mahabeleshwarappa
  • Funds transfer authentication
    Patent number: 11263631
    Abstract: 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: Grant
    Filed: October 25, 2018
    Date of Patent: March 1, 2022
    Assignee: 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