Patents by Inventor Siten Sanghvi
Siten Sanghvi 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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Publication number: 20240112164Abstract: A method using one or more mobile devices for transporting information from an automated teller machine (“ATM”) to a central server when the ATM does not support a network connection and, upon return of the one or more mobile devices to the ATM, updating the ATM may be provided. The method may include transporting electronic transaction data processed locally at the ATM, via a mobile device, to a location where a network connection between the mobile device and the central server may be established. When in a location including network connection, the method may include transmitting the electronic transaction data to the central server. When the mobile device is detected to have returned to be within the pre-determined range of the ATM, the method may include transmitting a data packet to the ATM, the data packet received from the central server, thereby updating the ATM of the transmittal.Type: ApplicationFiled: October 3, 2022Publication date: April 4, 2024Inventors: Manu Kurian, Siten Sanghvi, Heather Dolan, George Albero, Maharaj Mukherjee, Kevin A. Delson
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Publication number: 20240064137Abstract: This application describes a security framework that allows a data payload transmitted on a network to be validated locally by any node on the network. A node that first receives the data payload may validate the information included in the data payload and generate a digital certificate based on the information. Each node that receives the data payload from the originating node may validate the digital signature using a locally accessible cryptographic key. The framework may support multiple security tiers by configuring nodes to mask information included in a data payload before transmitting the requested data payload to another node.Type: ApplicationFiled: August 19, 2022Publication date: February 22, 2024Inventor: Siten Sanghvi
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Publication number: 20240054464Abstract: A method enabling processing electronic transactions received at the ATM when network connection with the central server is disrupted. The method may enable processing each electronic transaction received using an alternative data routing pathway. The alternative data routing pathway may leverage one or more edge devices within close proximity to the ATM to serve as a proxy for transmitting data to the central server. The one or more edge devices may be enabled to carry electronic transaction data from electronic transactions processed locally at the ATM to a location where a network connection between the one or more edge devices and the central server may be established. When in a location including network connection, the one or more edge devices may transmit the electronic transaction data to the central server.Type: ApplicationFiled: August 11, 2022Publication date: February 15, 2024Inventors: Manu Kurian, Siten Sanghvi, Heather Dolan, George Albero, Maharaj Mukherjee, Kevin A. Delson
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Publication number: 20240037655Abstract: Aspects of the disclosure relate to machine learning based automated management of a user account. A computing platform may determine, via a computing device and based on historical user activity of a user, a pattern of the user activity. Subsequently, the computing platform may detect a deviation from the pattern of the user activity. Then, the computing platform may identify an anticipated transaction of the user. Then, the computing platform may retrieve, from a repository of user data, one or more user-defined preference rules associated with the anticipated transaction. Then, the computing platform may determine whether the one or more preference rules apply to one or more attributes of the anticipated transaction. Subsequently, the computing platform may trigger, based on a determination that the one or more preference rules apply to the one or more attributes of the anticipated transaction, an action associated with the anticipated transaction.Type: ApplicationFiled: October 16, 2023Publication date: February 1, 2024Inventors: Siten Sanghvi, Morgan S. Allen, Matthew E. Carroll, Tamara S. Kingston, Stephen T. Shannon
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Publication number: 20240020554Abstract: Aspects of the disclosure relate to automated pairing of customers and businesses. A computing platform may determine, based on historical user activity of a user, a pattern of the user activity, and may identify, based on the pattern of the user activity, an anticipated purchase activity of the user. Then, the computing platform may determine a sales offering by a vendor. Then, the computing platform may match the anticipated purchase activity with the sales offering. Then, the computing platform may retrieve user-defined preference rules associated with the anticipated purchase activity. Then, the computing platform may determine whether the preference rules apply to one or more attributes of the anticipated purchase activity. Subsequently, the computing platform may trigger, based on a determination that the preference rules apply to the one or more attributes of the anticipated purchase activity, an action associated with the anticipated purchase activity.Type: ApplicationFiled: September 27, 2023Publication date: January 18, 2024Inventors: Siten Sanghvi, Morgan S. Allen, Matthew E. Carroll, Tamara S. Kingston, Stephen T. Shannon
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Publication number: 20240007452Abstract: Systems for contactless authentication and event processing are provided. In some examples, a user may request processing of an event. The user may provide user identifying or event identifying information that may be transmitted to contactless processing computing platform. Based on the user identifying information, additional user data may be retrieved. An interactive authentication request may be generated and transmitted to the user computing device. The interactive authentication request may include a request for one or more types of authentication data. The user may input authentication response data into the user computing device, which may then be transmitted to the contactless processing computing platform for evaluation. The authentication response data may be evaluated to determine whether it includes a trigger, whether it matches pre-stored authentication data, and the like. In response, one or more authentication outputs may be generated and/or the requested event may be processed or denied.Type: ApplicationFiled: August 10, 2023Publication date: January 4, 2024Inventors: Pratap Dande, Siten Sanghvi, Naga Vamsi Krishna Akkapeddi
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Patent number: 11816726Abstract: Aspects of the disclosure relate to machine learning based automated management of a user account. A computing platform may determine, via a computing device and based on historical user activity of a user, a pattern of the user activity. Subsequently, the computing platform may detect a deviation from the pattern of the user activity. Then, the computing platform may identify an anticipated transaction of the user. Then, the computing platform may retrieve, from a repository of user data, one or more user-defined preference rules associated with the anticipated transaction. Then, the computing platform may determine whether the one or more preference rules apply to one or more attributes of the anticipated transaction. Subsequently, the computing platform may trigger, based on a determination that the one or more preference rules apply to the one or more attributes of the anticipated transaction, an action associated with the anticipated transaction.Type: GrantFiled: July 29, 2020Date of Patent: November 14, 2023Assignee: Bank of America CorporationInventors: Siten Sanghvi, Morgan S. Allen, Matthew E. Carroll, Tamara S. Kingston, Stephen T. Shannon
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Patent number: 11810005Abstract: Aspects of the disclosure relate to automated pairing of customers and businesses. A computing platform may determine, based on historical user activity of a user, a pattern of the user activity, and may identify, based on the pattern of the user activity, an anticipated purchase activity of the user. Then, the computing platform may determine a sales offering by a vendor. Then, the computing platform may match the anticipated purchase activity with the sales offering. Then, the computing platform may retrieve user-defined preference rules associated with the anticipated purchase activity. Then, the computing platform may determine whether the preference rules apply to one or more attributes of the anticipated purchase activity. Subsequently, the computing platform may trigger, based on a determination that the preference rules apply to the one or more attributes of the anticipated purchase activity, an action associated with the anticipated purchase activity.Type: GrantFiled: July 29, 2020Date of Patent: November 7, 2023Assignee: Bank of America CorporationInventors: Siten Sanghvi, Morgan S. Allen, Matthew E. Carroll, Tamara S. Kingston, Stephen T. Shannon
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Publication number: 20230334451Abstract: Aspects of the disclosure relate to detecting usage issues on enterprise systems and dynamically providing user assistance. In some embodiments, a computing platform may receive, from an automated teller system, user presence information indicating that a user has been detected at an automated teller machine associated with the automated teller system. Subsequently, the computing platform may identify, based on the user presence information received from the automated teller system, that the user has a need for assistance with the automated teller machine associated with the automated teller system. In response to identifying that the user has the need for assistance, the computing platform may generate and send one or more commands directing the automated teller machine associated with the automated teller system to execute one or more automated assistance actions corresponding to the need for assistance.Type: ApplicationFiled: June 20, 2023Publication date: October 19, 2023Inventors: Naga Vamsi Krishna Akkapeddi, Morgan S. Allen, Susan Moss, Stephen T. Shannon, Siten Sanghvi, Pratap Dande
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Patent number: 11792165Abstract: A system is provided for implementing a data processing transaction for a home processor located within a home region. The system is configured to receive a query from a user device of a user, search a list of partner processors located within a foreign region based on the query and transmit to the user device information relating to one or more partner processors determined as a result of the search. The system receives a request to authenticate the data processing transaction at a selected partner processor, verifies an identity of the user based on the request and transmits an indication of successful authentication. The system transmits at least a portion of data relating to a registration of the user at the home processor to the selected partner processor, wherein the data processing transaction is processed by the partner processor based on the transferred data.Type: GrantFiled: June 4, 2021Date of Patent: October 17, 2023Assignee: Bank of America CorporationInventors: Naga Vamsi Krishna Akkapeddi, Siten Sanghvi, Pratap Dande
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Patent number: 11784991Abstract: Systems for contactless authentication and event processing are provided. In some examples, a user may request processing of an event. The user may provide user identifying or event identifying information that may be transmitted to contactless processing computing platform. Based on the user identifying information, additional user data may be retrieved. An interactive authentication request may be generated and transmitted to the user computing device. The interactive authentication request may include a request for one or more types of authentication data. The user may input authentication response data into the user computing device, which may then be transmitted to the contactless processing computing platform for evaluation. The authentication response data may be evaluated to determine whether it includes a trigger, whether it matches pre-stored authentication data, and the like. In response, one or more authentication outputs may be generated and/or the requested event may be processed or denied.Type: GrantFiled: July 20, 2020Date of Patent: October 10, 2023Assignee: Bank of America CorporationInventors: Pratap Dande, Siten Sanghvi, Naga Vamsi Krishna Akkapeddi
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Patent number: 11784981Abstract: A user device is provided. The user device is configured to detect that a user is in a foreign region outside a home region of the user, wherein the user is registered with a home processor located within the home region of the user. The user device provides a recommendation to the user of one or more partner processors located within the foreign region, wherein each of the one or more partner processors has a predetermined association with the home processor. The user device receives a selection of a partner processor selected by the user from the one or more partner processors. The user device authenticates a data processing transaction at the selected partner processor by verifying an identity of the user and initiates the data processing transaction at the selected partner processor after the authentication.Type: GrantFiled: June 4, 2021Date of Patent: October 10, 2023Assignee: Bank of America CorporationInventors: Naga Vamsi Krishna Akkapeddi, Siten Sanghvi, Pratap Dande
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Patent number: 11720869Abstract: Aspects of the disclosure relate to detecting usage issues on enterprise systems and dynamically providing user assistance. In some embodiments, a computing platform may receive, from an automated teller system, user presence information indicating that a user has been detected at an automated teller machine associated with the automated teller system. Subsequently, the computing platform may identify, based on the user presence information received from the automated teller system, that the user has a need for assistance with the automated teller machine associated with the automated teller system. In response to identifying that the user has the need for assistance, the computing platform may generate and send one or more commands directing the automated teller machine associated with the automated teller system to execute one or more automated assistance actions corresponding to the need for assistance.Type: GrantFiled: July 27, 2020Date of Patent: August 8, 2023Assignee: Bank of America CorporationInventors: Naga Vamsi Krishna Akkapeddi, Morgan S. Allen, Susan Moss, Stephen T. Shannon, Siten Sanghvi, Pratap Dande
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Patent number: 11711421Abstract: A system for facilitating a distribution interaction session between two or more user devices through peer-to-peer connections comprises a processor associated with a server. The processor is configured to receive a request from a first user device to initiate a distribution interaction session between the first user device and a second user device via a distribution interaction application. The first user device has established a peer-to-peer connection with the second user device based on geolocation information. The processor is further configured to initiate the distribution interaction session from the distribution interaction application and to receive account information from the first user device through data streaming between the first user device and the server. The processor is further configured to determine an account associated with a first user based on the received account information and to conduct the distribution interaction session between the first user and a second user.Type: GrantFiled: June 23, 2021Date of Patent: July 25, 2023Assignee: Bank of America CorporationInventors: Siten Sanghvi, Naga Vamsi Krishna Akkapeddi, Richard Martin Seymour Scot, Jill M. Moser
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Patent number: 11611511Abstract: This application describes apparatus and methods for using edge-computing to control resource distribution among access channels, such as a retail banking center. Edge-nodes may be configured to move a product display in response to detected or expected customer traffic flow in or near a retail location. Edge-nodes may be configured to redirect resources provided by a cloud computing environment to or away from the retail location. Based on customer traffic flow, edge-nodes may direct customers/resources to a retail location and ensure the retail location provides a predetermined quality of service.Type: GrantFiled: February 10, 2021Date of Patent: March 21, 2023Assignee: Bank of America CorporationInventors: Gilbert Gatchalian, William August Stahlhut, Kamesh R. Gottumukkala, Siten Sanghvi, Stephen T. Shannon, Morgan S. Allen, Christopher L. Rice
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Patent number: 11599242Abstract: According to certain embodiments, a wearable device comprises a memory operable to store menus comprising menu options, and a processor operably coupled to a network interface and the memory. The processor is configured to present a first menu comprising a first menu option associated with a data processing transaction available at a current location, determine an updated location, obtain a second menu comprising a second menu option associated with a data processing transaction available at the updated location, and present the second menu. The processor is further configured to receive user input indicating a selection of the second menu option and facilitate the data processing transaction available at the updated location based on the selection.Type: GrantFiled: June 4, 2021Date of Patent: March 7, 2023Assignee: Bank of America CorporationInventors: Richard Martin Seymour Scot, Naga Vamsi Krishna Akkapeddi, Siten Sanghvi, Pratap Dande, Stephen T. Shannon
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Patent number: 11544718Abstract: Apparatus and methods are provided for executing a rules-based authentication of an electronic transaction. The method may include receiving first and second payment authorization parameters and second payment authorization parameters. The method may also include receiving from a Point of Sale device a request for payment information and a purchase amount. The method may also include, determining if first or second parameters are satisfied. The first parameters may include a first time range, a pairing of the electronic device to a first apparatus, a first geolocation of the electronic device, and a first maximum transaction value. The second parameters may include a second time range, a pairing of the electronic device to a second apparatus, a second geolocation of the electronic device, and a second maximum transaction value, wherein the second time range does not include the first time range.Type: GrantFiled: September 17, 2021Date of Patent: January 3, 2023Assignee: Bank of America CorporationInventors: Monika Kapur, Kevin A. Delson, Brandon Sloane, Siten Sanghvi, Albena N. Fairchild, John Ryan Bowling
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Publication number: 20220417322Abstract: A system for facilitating a distribution interaction session between two or more user devices through peer-to-peer connections comprises a processor associated with a server. The processor is configured to receive a request from a first user device to initiate a distribution interaction session between the first user device and a second user device via a distribution interaction application. The first user device has established a peer-to-peer connection with the second user device based on geolocation information. The processor is further configured to initiate the distribution interaction session from the distribution interaction application and to receive account information from the first user device through data streaming between the first user device and the server. The processor is further configured to determine an account associated with a first user based on the received account information and to conduct the distribution interaction session between the first user and a second user.Type: ApplicationFiled: June 23, 2021Publication date: December 29, 2022Inventors: Siten Sanghvi, Naga Vamsi Krishna Akkapeddi, Richard Martin Seymour Scot, Jill M. Moser
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Publication number: 20220405761Abstract: A system for error detection and notification that a storage medium of a first card is defective comprises an apparatus and a first server. The apparatus is configured to receive the storage medium of the first card. The apparatus comprises a first processor configured to receive data from the storage medium as the storage medium is inserted into the apparatus, wherein the received data is encoded into the storage medium. The first processor is configured to determine that the received data is incomplete and display a first output requesting authorization to issue a second card. The first processor is configured to transmit data to a communication network, wherein the transmitted data comprises user input authorizing issuance of the second card and requested data associated with the first card. The first server is configured to verify issuance of the second card, wherein the first server is communicatively coupled to the apparatus.Type: ApplicationFiled: June 17, 2021Publication date: December 22, 2022Inventor: Siten Sanghvi
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Publication number: 20220405914Abstract: A system for image analysis for physical defect detection of a storage medium of a first card that comprises an apparatus configured to receive the storage medium of the first card and a first server configured to verify issuance of a second card. The apparatus comprises an optical sensor comprising a light transmitter, a receiver, and a first processor. The optical sensor is configured to produce a light to be directed to the storage medium and to determine that the storage medium comprises a physical defect with the first processor based at least in part upon processed electronic signals. The apparatus further comprises a second processor configured to display outputs requesting authorization to issue the second card. The first server is configured to verify issuance of the second card, wherein the first server is communicatively coupled to the apparatus.Type: ApplicationFiled: June 17, 2021Publication date: December 22, 2022Inventor: Siten Sanghvi