Patents by Inventor Sudeshna Banerjee

Sudeshna Banerjee 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).

  • Publication number: 20160063520
    Abstract: A data analyzer associated with an entity determines patterns and/or sequences in user data. The analyzer may provide businesses with feedback on spatiotemporal patterns in user habits. In certain embodiments, the analyzer determines the frequency of a sequence of purchases made at a first entity immediately followed by purchases made at a second entity. In another embodiment, the analyzer determines trends in user purchases made during the weekday versus those that are made during the weekend. The results of the analysis may be used in a variety of ways, including, but not limited to merchant/consumer prospecting, and targeted promotions.
    Type: Application
    Filed: November 9, 2015
    Publication date: March 3, 2016
    Inventors: Debashis Ghosh, Sudeshna Banerjee, Shiba Madaan, Sreedevi Gummuluri, David Joa
  • Publication number: 20150170066
    Abstract: Embodiments of the invention allow an institution to obtain a more comprehensive view of its exposure to one or more entities or groups of entities and, in some cases, to use this information to identify opportunities for and/or risks to the institution. For example, embodiments of the invention involve systems and methods for: (1) selecting an entity; (2) determining exposure to the entity in isolation; (3) determining one or more related entities based on transaction data associated with the selected entity; (4) determining exposure to the one or more related entities; and (5) combining the exposure data for the selected entity and the related entities to obtain comprehensive exposure metrics for the selected entity.
    Type: Application
    Filed: December 13, 2013
    Publication date: June 18, 2015
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Samir B. Pawar, Greg Douglas Farley, Dilip Nair, David Joa, Timothy J. Bendel, Hemant Kagade, Tore Opsahl, Sudeshna Banerjee
  • Publication number: 20150170076
    Abstract: Embodiments of the invention allow an institution to obtain a more comprehensive view of its exposure to one or more entities or groups of entities and, in some cases, to use this information to identify opportunities for and/or risks to the institution. For example, embodiments of the invention involve systems and methods for: (1) selecting an entity; (2) determining exposure to the entity in isolation; (3) determining one or more related entities based on transaction data associated with the selected entity; (4) determining exposure to the one or more related entities; and (5) combining the exposure data for the selected entity and the related entities to obtain comprehensive exposure metrics for the selected entity.
    Type: Application
    Filed: December 13, 2013
    Publication date: June 18, 2015
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Samir B. Pawar, Greg Douglas Farley, Dilip Nair, David Joa, Timothy J. Bendel, Hemant Kagade, Tore Opsahl, Sudeshna Banerjee
  • Publication number: 20150154615
    Abstract: Systems, methods, computer-readable media, and apparatuses for receiving transaction data associated with a transaction between a first business entity and a second business entity are provided. Data may be extracted from the transaction data to determine a category of the transaction. In some examples, an identity of a first and/or second business entity may be determined from the transaction data and/or additional data. One or more business characteristics of the first or second business entity may be determined based on the identity of the business and the category of the transaction. Accordingly, a network of other business related or having potential to be related to the business entities may be identified (e.g., potential or current vendors, suppliers, service providers, customers, and the like).
    Type: Application
    Filed: December 4, 2013
    Publication date: June 4, 2015
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Samir B. Pawar, Hemant Kagade, Sudeshna Banerjee, Marc Douglas Halsted, Seyamak Amin, Nancy Teter Carrier, Greg D. Farley, Dilip Nair, David Neil Joffe, David Joa
  • Publication number: 20150073977
    Abstract: Transaction data is processed using a store number that is associated with a merchant. By analyzing sales of a merchant by store, a financial institution can better assess the financial health of a merchant. The financial institution can subsequently evaluate different value propositions that may be offered to the merchant or a consumer. The store numbers are extracted from the transaction entries so that a performance metric can be determined by store locations of the merchant. Consequently, the financial institution can determine the financial health of the merchant based on individual stores rather than on the total sales of the merchant. Different value propositions can be offered by the financial institution to a merchant or a consumer of the merchant based on an analysis of the transaction data. Transaction data for different merchants and different geographic areas can be compared to identify potential customers for the financial institution.
    Type: Application
    Filed: November 14, 2014
    Publication date: March 12, 2015
    Inventors: Debashis Ghosh, Sreedevi Gummuluri, Sudeshna Banerjee, Yanghong Shao, Kurt Newman, David Joa, Thayer Allison
  • Publication number: 20140278753
    Abstract: In certain embodiments, a system includes one or more memory modules operable to store business transaction data for a plurality of customers of an enterprise, the stored business transaction data including expenditures for each of the plurality of customers of the enterprise. The system further include one or more processing modules operable to determine, based on the business transaction data, a first customer of the plurality of customers having an increase in expenditures and a second customer of the plurality of customers having an decrease in expenditures corresponding to the increase in expenditures of the first customer. The one or more processing modules are further operable to store, in the one or more memory modules, data associating the first with the second customer.
    Type: Application
    Filed: July 10, 2013
    Publication date: September 18, 2014
    Inventors: Arya Kumar Vedabrata, Kiran Tnvr, Bibhudatta Jena, Sudeshna Banerjee, Samir B. Pawar, Suresh Raju Rudraraju
  • Publication number: 20140278752
    Abstract: In certain embodiments, a system includes one or more memory modules operable to store business transaction data including expenditures and revenues for a plurality of customers of an enterprise. The system further includes one or more processing modules operable to determine, based on the business transaction data, a first customer having an amount of expenditures corresponding to an amount of revenue of a second customer. The one or more processing modules are further operable to access publicly-available financial information for the second customer that includes total revenue information for the second customer and determine, based on the accessed publicly-available financial information, whether the amount of revenue of the second customer exceeds a predetermined proportion of the total revenue of the second customer.
    Type: Application
    Filed: July 10, 2013
    Publication date: September 18, 2014
    Inventors: Arya Kumar Vedabrata, Kiran Tnvr, Bibhudatta Jena, Sudeshna Banerjee, Samir B. Pawar, Suresh Raju Rudraraju
  • Publication number: 20140278751
    Abstract: In certain embodiments, a system includes one or more memory modules operable to store business transaction data for a plurality of current and former customers of an enterprise. The system further includes one or more processing modules operable to access publicly-available financial information (including revenue information) for each of a plurality of entities and determine, based on the accessed publicly-available financial information, a first list of entities comprising a subset of the plurality of entities whose revenue in a first time period exceeds revenue is a second time period by more than a predetermined amount. The one or more processing modules are further operable to determine, based on the business transaction data and the determined first list of entities, a second list of entities comprising one or more entities of the first list of entities that are a selected one of current and former customers of the enterprise.
    Type: Application
    Filed: July 10, 2013
    Publication date: September 18, 2014
    Inventors: Arya Kumar Vedabrata, Kiran Tnvr, Bibhudatta Jena, Sudeshna Banerjee, Samir B. Pawar, Suresh Raju Rudraraju
  • Publication number: 20140278750
    Abstract: In certain embodiments, a system includes one or more memory modules operable to store business transaction data for a plurality of customers of an enterprise, the business transaction data including a size classification for each of the plurality of customers. The system further includes one or more processing modules operable to determine, based on the business transaction data, a first list of customers comprising one or more of the plurality of customers that have a particular size classification. The one or more processing modules are further operable to access publicly-available financial information (including revenue information) for each of the one or more customers of the determined first list of customers and determine, based on the accessed publicly-available financial information, a second list of customers comprising one or more customers of the first list of customers that have revenue exceeding a predetermined amount.
    Type: Application
    Filed: July 10, 2013
    Publication date: September 18, 2014
    Inventors: Arya Kumar Vedabrata, Kiran Tnvr, Bibhudatta Jena, Sudeshna Banerjee, Samir B. Pawar, Suresh Raju Rudraraju
  • Publication number: 20140236794
    Abstract: Aspects of this disclosure relate to a computer configured to identify potential customers which may include a processor and memory storing computer executable instructions that, when executed, cause the computer to perform a method for identifying potential customers for a first bank, by electronically receiving data regarding the first bank, electronically receiving data regarding a second bank. Further, based on the electronically received data the method may further include identifying locations of the first bank, identifying locations of the second bank, comparing the locations of the first bank with the locations of the second bank, determining locations of the second bank that are within a predetermined distance of at least one location of the first bank, determining an amount of funds in a set of deposit accounts in each location of the second bank, and determining if the amount of funds in each location of the second bank is more than a predetermined amount.
    Type: Application
    Filed: April 30, 2014
    Publication date: August 21, 2014
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Mark Krein, Debashis Ghosh, Thayer Allison, JR., Kurt Newman, Yanghong Shao, Sudeshna Banerjee, David Joa
  • Patent number: 8751342
    Abstract: Aspects of this disclosure relate to a computer configured to identify potential customers which may include a processor and memory storing computer executable instructions that, when executed, cause the computer to perform a method for identifying potential customers for a first bank, by electronically receiving data regarding the first bank, electronically receiving data regarding a second bank. Further, based on the electronically received data the method may further include identifying locations of the first bank, identifying locations of the second bank, comparing the locations of the first bank with the locations of the second bank, determining locations of the second bank that are within a predetermined distance of at least one location of the first bank, determining an amount of funds in a set of deposit accounts in each location of the second bank, and determining if the amount of funds in each location of the second bank is more than a predetermined amount.
    Type: Grant
    Filed: January 5, 2010
    Date of Patent: June 10, 2014
    Assignee: Bank of America Corporation
    Inventors: Mark Krein, Debashis Ghosh, Thayer Allison, Kurt Newman, Yanghong Shao, Sudeshna Banerjee, David Joa
  • Patent number: 8682785
    Abstract: Systems, methods, and computer program products are provided for providing a consumer with information about the balance of the consumer's credit or debit account after a transaction, such as a purchase transaction, is made using the credit or debit account. In one embodiment, the issuing bank attaches a number representing the balance of the consumer's credit or debit account and/or other information about the balance to the authorization code when authorizing a purchase transaction so that, when a vendor provides the consumer with a purchase receipt that has the authorization code on the receipt, the balance information is automatically included on the receipt with the authorization code. In this way, the consumer can keep track of spending by knowing the total balance of the consumer's credit and/or debit account and/or other balance information after each credit or debit card purchase.
    Type: Grant
    Filed: October 30, 2008
    Date of Patent: March 25, 2014
    Assignee: Bank of America Corporation
    Inventors: Debashis Ghosh, David Joa, Kurt D. Newman, Thayer Allison, Sudeshna Banerjee, Mark V. Krein
  • Patent number: 8645264
    Abstract: Apparatus and methods for processing a loan application. The apparatus and methods may involve accessing a financial institution customer account that includes a plurality of transactions; identifying those transactions that belong to a predetermined transaction category; and summarizing the transactions. Summary information may be presented as part of an income and expenses flow report that at least partially characterizes the account or the applicant. A financial institution representative may query a database for the summary information and, optionally, initiate an underwriting process based on the loan application and the summary information.
    Type: Grant
    Filed: October 23, 2008
    Date of Patent: February 4, 2014
    Assignee: Bank of America Corporation
    Inventors: Thayer Allison, Robert Caruso, Sudeshna Banerjee, Debashis Ghosh, Kurt Newman, David Joa, Arun Pinto, Yanghong Shao
  • Patent number: 8645245
    Abstract: Systems, methods, and computer program products are provided for optimizing amounts collected in an offset action where a creditor attaches funds from a debtor's deposits account to satisfy overdue debt payments. In operation, embodiments of the present invention leverage a deposits account's transaction history to detect a deposit pattern for the account and, based on the detected pattern, predict the date of the next large deposit to the attachable account. An offset associate, using the present invention, can then schedule the offset action to occur on the expected date of the next large deposit.
    Type: Grant
    Filed: July 30, 2010
    Date of Patent: February 4, 2014
    Assignee: Bank of America Corporation
    Inventors: Debashis Ghosh, Yanghong Shao, David Joa, Kurt Newman, Sudeshna Banerjee, Thayer Allison, Arun Pinto, Preston Wesley Ports, III, Mark Krein
  • Patent number: 8566217
    Abstract: Apparatus and methods for providing a trading recommendation. The apparatus and methods may involve using information about events and reactions to the events. The events and the reactions may be used to identify an expected impact of the event on a market. The expected impact may be used to recommend investment vehicle trades. The methods may include receiving an information item that relates to an event; receiving a sentiment indicator corresponding to the item; assigning to the item a market impact weighting index that is at least partially based on the sentiment indicator; and, based at least partially on the market impact weighting index, selecting the trading recommendation from a database of trading recommendations.
    Type: Grant
    Filed: September 24, 2008
    Date of Patent: October 22, 2013
    Assignee: Bank of America Corporation
    Inventors: Debashis Ghosh, David Joa, Kurt D. Newman, Thayer Allison, Sudeshna Banerjee, Mark Krein
  • Patent number: 8558663
    Abstract: Real time facial images of individuals transacting accounts held in a bank facility are taken following the grant of authorization to the individual to access the account under the bank's required identification protocol, the real time facial images being matched to recorded facial images of account holders maintained by the bank to further authenticate the transacting individual as having authorized account access.
    Type: Grant
    Filed: November 30, 2007
    Date of Patent: October 15, 2013
    Assignee: Bank of America Corporation
    Inventors: Kurt D. Newman, Sudeshna Banerjee, Timothy J. Bendel, Debashis Ghosh, David Joa, Thayer S. Allison, Jr.
  • Patent number: 8527403
    Abstract: In general, embodiments of the invention relate to systems, methods, and computer program products for predicting population migration and analyzing migration-affecting programs. For example, an apparatus is provided having a memory device with population information and a plurality of migration factors stored therein. The population information includes information about population distribution across a plurality of classifications. Each of the plurality of migration factors corresponds to a particular classification of the plurality of classifications and indicates how population members of the particular classification migrate to other classifications over a particular time period. The apparatus also includes a processor communicably coupled to the memory device and configured to use the migration factors and the population information to forecast changes in the population distribution across each of the plurality of classifications over multiple time periods.
    Type: Grant
    Filed: January 22, 2010
    Date of Patent: September 3, 2013
    Assignee: Bank of America Corporation
    Inventors: Yanghong Shao, Debashis Ghosh, Thayer S. Allison, Jr., Mark V. Krein, David Joa, Kurt D. Newman, Timothy J. Bendel, Sudeshna Banerjee
  • Patent number: 8504458
    Abstract: Embodiments of the present invention relate to apparatuses, systems, methods, and computer program products for determining an investment strategy for a security. In one embodiment, an apparatus comprises a processor configured to: (1) receive information identifying a security; (2) access historical market data for the security, wherein the historical market data includes historical values, over a historical period of time, for one or more market parameters for the security; (3) use the historical market data to determine a relationship between a market parameter's value and the security's value during the historical period of time; and (4) use the relationship to determine an investment strategy that determines trading decisions based at least partially on the market parameter's value.
    Type: Grant
    Filed: March 27, 2009
    Date of Patent: August 6, 2013
    Assignee: Bank of America Corporation
    Inventors: Aaron Lai, Debashis Ghosh, David Joa, Kurt Newman, Thayer Allison, Sudeshna Banerjee
  • Patent number: 8504469
    Abstract: Behavior associated with credit misuse is referred to herein as “intentional misuse of credit” (IMOC) behavior and individuals who exhibit IMOC behavior are referred to herein as IMOC individuals. Embodiments of the present invention provide systems, methods, and computer program products for reviewing, on a daily basis, financial-transaction data taken across a plurality of individual consumers, identifying individual consumers whose financial-transaction data indicates IMOC behavior, and flagging those individual consumers as IMOC individuals.
    Type: Grant
    Filed: February 15, 2010
    Date of Patent: August 6, 2013
    Assignee: Bank of America Corporation
    Inventors: Sreedevi Gummuluri, Yanghong Shao, Debashis Ghosh, Sudeshna Banerjee
  • Patent number: 8447689
    Abstract: Aspects of the invention provide for the use of transactional data in determining credit and product offerings. Further aspects of the invention provide for generating financial statements and indices using transactional data for use by users and/or financial institutions. The transactional based financial statements and indices may be used for making underwriting and financial planning decisions.
    Type: Grant
    Filed: April 6, 2012
    Date of Patent: May 21, 2013
    Assignee: Bank of America Corporation
    Inventors: Debashis Ghosh, William A. Nobili, Arun R. Pinto, Kurt D. Newman, David N. Joffe, Sudeshna Banerjee, Marc Douglas Halsted