Patents by Inventor UDAYA KUMAR

UDAYA KUMAR 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: 20230273870
    Abstract: An exception resolution system determines that an exception error corresponding to a failed transmission of communication data between servers of a distributed network. Based in part on a shortest data transfer route associated with the exception error, a containerized test environment is generated with the minimum replica components needed to replicate the exception error. The containerized test environment can be sued to test possible changes for resolving the exception error.
    Type: Application
    Filed: February 28, 2022
    Publication date: August 31, 2023
    Inventors: Udaya Kumar Raju Ratnakaram, Amit Mishra, Krithika Viswanathan, Sarvari Tadimalla
  • Publication number: 20230254152
    Abstract: Arrangements for account linking and dynamic device selection are provided. Registration data including one or more user accounts and/or payment devices may be received. A request to process a transaction may be received via a first device. User data may be retrieved to identify other devices. One or more external entities may provide user profile data including raw customer data and encrypted authentication data. A hash of the encrypted authentication data may be generated and stored. The system may dynamically generate a rendering displaying one or more payment devices available for selection. A second payment device may be selected and a handshake protocol initiated between a vendor device and a user device. Authentication data may be provided and a hash generated. The hashes may be compared and, if a match occurs, the transaction may be processed.
    Type: Application
    Filed: February 7, 2022
    Publication date: August 10, 2023
    Inventors: Udaya Kumar Raju Ratnakaram, Srilaxmi Sreepalli, Bhagya Lakshmi Sudha Lavanya Mallidi
  • Publication number: 20230252472
    Abstract: Arrangements for account linking and dynamic device selection are provided. Registration data including one or more user accounts and/or payment devices may be received. A request to process a transaction may be received via a first device. User data may be retrieved to identify other devices. One or more external entities may provide user profile data including raw customer data and encrypted authentication data. A hash of the encrypted authentication data may be generated and stored. The system may dynamically generate a rendering displaying one or more payment devices available for selection. A second payment device may be selected and authentication data associated with the second payment device received. A hash of the authentication data may be generated and compared to the stored hash of the encrypted authentication data. If the hashes match, the transaction may be processed. If there is not a match, the transaction may be denied.
    Type: Application
    Filed: February 7, 2022
    Publication date: August 10, 2023
    Inventors: Udaya Kumar Raju Ratnakaram, Srilaxmi Sreepalli, Bhagya Lakshmi Sudha Lavanya Mallidi
  • Patent number: 11709765
    Abstract: Aspects of the disclosure relate to generating test cases based on voice conversation. In some embodiments, a computing platform may receive voice data associated with an agile development meeting. Subsequently, the computing platform may identify, using a natural language processing engine, context of one or more requirements being discussed during the agile development meeting. Based on identifying the context of the one or more requirements being discussed during the agile development meeting, the computing platform may store context data into a database. Next, the computing platform may map the context data to a corresponding task item of a software development project. Thereafter, the computing platform may identify one or more test cases to be generated. Then, the computing platform may cause the identified test cases to be executed.
    Type: Grant
    Filed: January 4, 2022
    Date of Patent: July 25, 2023
    Assignee: Bank of America Corporation
    Inventors: Kiran Sudhir Raja, Udaya Kumar Raju Ratnakaram, Arnold Teen Absalom, Bibhu Ranjan Sahoo
  • Patent number: 11704669
    Abstract: Arrangements for payment and recommendation control are provided. In some aspects, contextual data may be received from a user. For instance, data such as calendar data may be received and an event may be identified. Based on the event, a pre-authorized amount may be identified for payment associated with the event. The system may receive a request for payment and event details. The amount may be compared to the pre-authorized amount and, if more than the pre-authorized amount, a request for payment authorization may be transmitted to a user device. If the amount is not more than the pre-authorized amount, expected location data of the user may be received and current location data of the user may be requested from a user device. The location data may be compared and, if the locations match, the payment may be authorized and automatically processed.
    Type: Grant
    Filed: January 3, 2022
    Date of Patent: July 18, 2023
    Assignee: Bank of America Corporation
    Inventors: Udaya Kumar Raju Ratnakaram, Puneetha Polasa
  • Publication number: 20230214314
    Abstract: Aspects of the disclosure relate to generating test cases based on voice conversation. In some embodiments, a computing platform may receive voice data associated with an agile development meeting. Subsequently, the computing platform may identify, using a natural language processing engine, context of one or more requirements being discussed during the agile development meeting. Based on identifying the context of the one or more requirements being discussed during the agile development meeting, the computing platform may store context data into a database. Next, the computing platform may map the context data to a corresponding task item of a software development project. Thereafter, the computing platform may identify one or more test cases to be generated. Then, the computing platform may cause the identified test cases to be executed.
    Type: Application
    Filed: January 4, 2022
    Publication date: July 6, 2023
    Inventors: Kiran Sudhir Raja, Udaya Kumar Raju Ratnakaram, Arnold Teen Absalom, Bibhu Ranjan Sahoo
  • Publication number: 20230214801
    Abstract: Arrangements for payment and recommendation control are provided. In some aspects, an event trigger and contextual data may be received from, for instance, a user device. In response to the event trigger, one or more requests for external entity data may be generated and transmitted to one or more external entity computing systems. External entity response data may be received and analyzed, with the contextual data, using machine learning, to identify one or more recommended options for a user. The one or more recommended options may be transmitted to a user computing device. In some examples, user selection of a first option may be received and a communication session may be initiated with a first external entity computing system. A scheduling request may be transmitted to the first external entity computing system and a scheduling confirmation may be received from the first external entity computing system.
    Type: Application
    Filed: January 3, 2022
    Publication date: July 6, 2023
    Inventors: Udaya Kumar Raju Ratnakaram, Puneetha Polasa
  • Publication number: 20230214798
    Abstract: Aspects of the disclosure relate to an IoT (Internet of Things) enabled device that initiates online or offline payment requests. In some arrangements, the IoT payment device may be managed through a central dashboard available via a stationary computing device or mobile device. In an embodiment, an IoT payment device may provide real-time updates that include data such as device function, alerts on maintenance needs, and direct contact with the service provider for any requests related to the IoT devices.
    Type: Application
    Filed: January 5, 2022
    Publication date: July 6, 2023
    Inventors: Udaya Kumar Raju Ratnakaram, Sriram Balasubramanian
  • Publication number: 20230214841
    Abstract: Arrangements for payment and recommendation control are provided. In some aspects, contextual data may be received from a user. For instance, data such as calendar data may be received and an event may be identified. Based on the event, a pre-authorized amount may be identified for payment associated with the event. The system may receive a request for payment and event details. The amount may be compared to the pre-authorized amount and, if more than the pre-authorized amount, a request for payment authorization may be transmitted to a user device. If the amount is not more than the pre-authorized amount, expected location data of the user may be received and current location data of the user may be requested from a user device. The location data may be compared and, if the locations match, the payment may be authorized and automatically processed.
    Type: Application
    Filed: January 3, 2022
    Publication date: July 6, 2023
    Inventors: Udaya Kumar Raju Ratnakaram, Puneetha Polasa
  • Publication number: 20230214838
    Abstract: Arrangements for facial recognition and processing are provided. In some aspects, a request to process a transaction may be received. In response to the request, image data of the user may be captured. The image data may be analyzed using one or more facial recognition techniques. If the user cannot be identified, payment information may be requested from the user. If the user can be identified, the user may be identified and user profile data associated with the user may be retrieved. In some examples, the user profile data may include user contact information, user device identifying information, and the like. User device data may be extracted from the user profile data and a notification including an instruction to initiate payment processing may be generated. The notification may then be transmitted to the user device identified from the extracted data and the instruction may be executed to initiate payment processing.
    Type: Application
    Filed: January 3, 2022
    Publication date: July 6, 2023
    Inventors: Udaya Kumar Raju Ratnakaram, Puneetha Polasa
  • Patent number: 11669316
    Abstract: Apparatus and methods for deploying a web application including a plurality of binary objects. The methods may include isolating from the plurality of class files a class file in which a run-time behavior occurs. The methods may include updating the class file to produce a modified class file that does not have the behavior. The methods may include testing performance of the modified class file. The methods may include storing the class file in a dynamic configuration database. The methods may include recognizing the modified class file as being modified. The methods may include, using a cron job processor, reading the metadata. The methods may include compiling the modified class file into binary code. The methods may include executing the binary code instead of a different binary code that corresponds to the class file in which the run-time behavior occurs.
    Type: Grant
    Filed: March 29, 2022
    Date of Patent: June 6, 2023
    Assignee: Bank of America Corporation
    Inventors: Naveen Kumar Reddy Murthi, Udaya Kumar Raju Ratnakaram, Punit Srivastava, Jian James Chen
  • Patent number: 11652961
    Abstract: Apparatus and methods for remotely viewing and authenticating/validating the contents of a safe deposit box (or safe) are provided. The apparatus and methods may include a safe deposit box including a locking internal cavity, a camera, a weight sensor, a light, a control circuit, and a communication circuit. After receiving a request to view the contents and authenticating a user, the safe deposit box may take still or motion pictures of the contents and weigh the contents and send the results to the user or a server. If the contents of the safe deposit box have changed an alert may be sent to the user or a server.
    Type: Grant
    Filed: June 2, 2022
    Date of Patent: May 16, 2023
    Assignee: Bank of America Corporation
    Inventors: Udaya Kumar Raju Ratnakaram, Mohammed Zubair Mohammed Ajmal, Amit Mishra, Krithika Viswanathan
  • Publication number: 20230131232
    Abstract: Aspects of the disclosure relate to verifying external accounts in real-time using dynamic smart contracts. A computing platform may receive a consumer request to initiate a transaction, at an enterprise organization, with an entity associated with an account. The computing platform may use the received consumer request to generate a smart contract profile associated with the entity. The computing platform may use the smart contract profile associated with the entity to determine a trust score associated with the entity. The computing platform may gather data indicating external accounts associated with the entity. The computing platform may use the data indicating the external accounts associated with the entity to determine a confidence threshold value. The computing platform may compare the trust score associated with the entity to the confidence threshold value to verify the legitimacy of the account associated with the entity.
    Type: Application
    Filed: October 21, 2021
    Publication date: April 27, 2023
    Inventors: Udaya Kumar Raju Ratnakaram, Puneetha Polasa, Sandeep Kumar Chauhan, Bhagya Lakshmi Sudha Lavanya Mallidi, Prashanthi Jambula, Shravan Kumar Kondoju
  • Patent number: 11599627
    Abstract: Embodiments of the present invention provide a system for employing a smart device for secure and authenticated event. The system may include a smart assistant device that receives an audible request from a user for an event with a merchant. The smart assistant device then establishes a secure active session with a mobile device associated with the user over a wireless network. The smart assistant device determines a digital voice ID for the received audible request for the event and transmits the digital voice ID and event information to the mobile device of the user. A smart assistant application of the mobile device validates the digital voice ID based on stored reference data. Event information and additional user execution information is then provided to an event processing system for asynchronous processing.
    Type: Grant
    Filed: December 3, 2018
    Date of Patent: March 7, 2023
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Udaya Kumar Raju Ratnakaram, Nagasubramanya Lakshminarayana
  • Publication number: 20230047229
    Abstract: Systems, computer program products, and methods are described herein for enhanced authentication framework using multi-dimensional hashing. The present invention is configured to electronically receive, from a computing device of a user, a resource transfer request; retrieve, from an authentication database, a multi-dimensional hash for a first set of data files for the user and a user identification artifact; retrieve, from the computing device of the user, a second set of data files matching the user identification artifact; initiate an asynchronous hash processing engine on the second set of data files; generate, using the asynchronous hash processing engine, a multi-dimensional hash for the second set of data files; compare the multi-dimensional hash for the first set of data files with the multi-dimensional hash for the second set of data files to determine a match; and authorize the resource transfer request based on at least determining the match.
    Type: Application
    Filed: August 16, 2021
    Publication date: February 16, 2023
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Udaya Kumar Raju Ratnakaram, Sandeep Kumar Chauhan, Sriram Balasubramanian
  • Publication number: 20230032352
    Abstract: Systems, methods, and apparatus are provided for secure transaction execution at an assistive device. Assistive devices include technologies that support people with disabilities in daily tasks, such as mobility aids or vision aids. An assistive device may be preregistered with a financial institution. The financial institution may generate a first hash incorporating a customer identifier and a device identifier. At the time of transaction, an active session may be initiated with the assistive device at a POS terminal, self-service kiosk, or financial institution. The assistive device may use short range wireless communication such as NFC or UWB to transmit the customer identifier and device identifier. A second hash may be generated and compared to the first hash to authenticate the device. Following authentication, the transaction may be completed at the assistive device via user inputs to the assistive device.
    Type: Application
    Filed: July 29, 2021
    Publication date: February 2, 2023
    Inventors: Eswara Prasad Ramoju, Udaya Kumar Raju Ratnakaram, Sandeep Kumar Chauhan
  • Patent number: 11556320
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for dynamic analysis and detection of transformed transient data in a distributed system network. The system is structured for validating, determining and evaluating temporal data transformations associated with technology resource components across iterations of technology applications for maintaining backward compatibility. The system comprises an execution module structured for executing technology resource components in a plurality of testing technology environments concurrently. The system further comprises an analysis module structured for evaluating iterations of a first technology resource component by comparing the transformed first testing output with the transformed second testing output to determine modifications to the first iteration of the first technology resource component in the second iteration of the first technology resource component that succeeds the first iteration.
    Type: Grant
    Filed: August 6, 2020
    Date of Patent: January 17, 2023
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Punit Srivastava, Jian James Chen, Prashanthi Jambula, Udaya Kumar Raju Ratnakaram, Javeed Syed
  • Publication number: 20230010257
    Abstract: Timely and optimal user completion of pre-staged transactions is implemented by ultra-wideband (UWB) enabled devices at UWB-enabled ATMs. ATM information, transaction scheduling and user prioritization, transaction notifications, and/or haptic-feedback reminders are provided based on one or more real-time and/or predicted geographical locations and proximities, ATM-specific queue wait times, preference scores, historical usage, ATM resources, and/or other relevant data or preferences.
    Type: Application
    Filed: July 7, 2021
    Publication date: January 12, 2023
    Inventors: Sandeep Kumar Chauhan, Udaya Kumar Raju Ratnakaram, Nandini Rathaur, Puneetha Polasa, Vibhu Srivastava
  • Publication number: 20230012424
    Abstract: A queue management ultra-wideband (UWB) automated teller machine (ATM) transaction pre-staging systems and methods for use with an ATM server, at least one UWB-enabled wireless portable electronic device, and a plurality of UWB-enabled ATMs are disclosed. Transactions are pre-staged by the UWB-enabled devices with the ATM servers. Queue wait times at each UWB-enabled ATM can be determined based on how many transactions have been scheduled for the ATM, how many customers are currently waiting at the ATM, and what currency resources are required by the pre-staged transactions. Geographical distances between the user and the ATMs can be determined. Based on historical customer ATM usage preferences, the distance to various ATMs, and queue wait times, the ATM server may make recommendations regarding which ATM would be optimal for the customer to use to complete the pre-staged transaction.
    Type: Application
    Filed: July 7, 2021
    Publication date: January 12, 2023
    Inventors: Sandeep Kumar Chauhan, Udaya Kumar Raju Ratnakaram, Nandini Rathaur, Puneetha Polasa, Vibhu Srivastava
  • Patent number: 11551213
    Abstract: Systems, methods, and apparatus are provided for secure transaction execution at an assistive device. Assistive devices include technologies that support people with disabilities in daily tasks, such as mobility aids or vision aids. An assistive device may be preregistered with a financial institution. The financial institution may generate a first hash incorporating a customer identifier and a device identifier. At the time of transaction, an active session may be initiated with the assistive device at a POS terminal, self-service kiosk, or financial institution. The assistive device may use short range wireless communication such as NFC or UWB to transmit the customer identifier and device identifier. A second hash may be generated and compared to the first hash to authenticate the device. Following authentication, the transaction may be completed at the assistive device via user inputs to the assistive device.
    Type: Grant
    Filed: July 29, 2021
    Date of Patent: January 10, 2023
    Assignee: Bank of America Corporation
    Inventors: Eswara Prasad Ramoju, Udaya Kumar Raju Ratnakaram, Sandeep Kumar Chauhan