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: 20220406303
    Abstract: Arrangements for voice enabled event processing are provided. In some aspects, a self-service kiosk may detect a mobile device of a user and a connection may be established between the self-service kiosk and the mobile device. The user may request, via natural language data input, processing of an event, such as a transaction. The natural language data input may be captured by the mobile device of the user and transmitted to the self-service kiosk or other processing device. The natural language input may be processed to identify the requested event. Based on the processed natural language data, an event processing request may be generated. Based on processing the event, one or more event processing commands may be generated. The event processing commands may be executed to perform one or more functions associated with completion of the event processing (e.g., distributing funds, activating a deposit receptacle, or the like).
    Type: Application
    Filed: June 17, 2021
    Publication date: December 22, 2022
    Inventors: Sandeep Kumar Chauhan, Udaya Kumar Raju Ratnakaram, Nandini Rathaur, Vibhu Srivastava, Puneetha Polasa
  • Publication number: 20220405730
    Abstract: Aspects of the disclosure relate to fragmenting payment transactions. Based a virtual assistant establishing an active session with a voice activated device, a computing platform may receive, from the virtual assistant, a request initiated at the voice activated device for a payment transaction. The computing platform may retrieve user identifying information associated with fragmenting payment transactions for determining whether to fragment the payment transaction between a plurality of user accounts. In determining to fragment the payment transaction, the computing platform may generate allocation information indicating an amount of funds to be transferred from each of the plurality of user accounts. The computing platform may cause the voice activated device to prompt the user to confirm the allocation information.
    Type: Application
    Filed: June 16, 2021
    Publication date: December 22, 2022
    Inventors: Sindhuja Gunda, Udaya Kumar Raju Ratnakaram
  • Publication number: 20220405723
    Abstract: Aspects of the disclosure relate to fragmenting payment transactions. A computing platform may receive, from a computing device, a request for a payment transaction. The computing platform may retrieve user identifying information associated with fragmenting payment transactions. Based on the user identifying information, the computing platform may determine whether to fragment the payment transaction between a plurality of user accounts. Based on determining to fragment the payment transaction, the computing platform may generate, using a machine learning algorithm, allocation information indicating an amount of funds to be transferred from each of the plurality of user accounts. The computing platform may cause the computing device to prompt a user of the computing device to confirm the allocation information.
    Type: Application
    Filed: June 16, 2021
    Publication date: December 22, 2022
    Inventors: Sindhuja Gunda, Udaya Kumar Raju Ratnakaram
  • Patent number: 11527250
    Abstract: Methods, systems, and computing platforms for mobile data communication are disclosed. Processor(s) may be configured to electronically receive a plurality of user mobile interaction data to initiate a session on processing server. The processor(s) may be configured to electronically process the user mobile interaction data with AI including predefined user activity data for actions. The processor(s) may be configured to electronically determine whether one of more of the user mobile voice data samples includes a session key data command and responsive to the session key data command, electronically initiating a biometric authentication of the user mobile voice data samples. In some implementations, the system processor(s) may be configured to electronically initiate a second computing session for the computer platform while receiving the plurality of user mobile interaction voice data.
    Type: Grant
    Filed: July 1, 2020
    Date of Patent: December 13, 2022
    Assignee: Bank of America Corporation
    Inventors: Sandeep Kumar Chauhan, Udaya Kumar Raju Ratnakaram
  • Patent number: 11494753
    Abstract: Systems for contactless event processing are provided. In some examples, functionality of a self-service kiosk may be requested. In response, a user may be authenticated and a first interactive user interface may be generated and displayed by the self-service kiosk. A user may capture an image of the generated first interactive user interface displayed by the self-service kiosk using, for instance, an image capture device of a user computing device. The captured image may be displayed by a display of the user computing device and the user may provide user input to the user computing device selecting a displayed option. The user input may be processed and mapped to functionality associated with the self-service kiosk. Based on the mapping, one or more instructions or commands may be generated and transmitted to the self-service kiosk. The self-service kiosk may execute the instructions or commands to execute the requested functionality.
    Type: Grant
    Filed: October 1, 2020
    Date of Patent: November 8, 2022
    Assignee: Bank of America Corporation
    Inventors: Udaya Kumar Raju Ratnakaram, Sandeep Kumar Chauhan
  • Publication number: 20220308851
    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: Application
    Filed: March 29, 2022
    Publication date: September 29, 2022
    Inventors: Naveen Kumar Reddy Murthi, Udaya Kumar Raju Ratnakaram, Punit Srivastava, Jian James Chen
  • Publication number: 20220308983
    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: Application
    Filed: March 23, 2021
    Publication date: September 29, 2022
    Inventors: Naveen Kumar Reddy Murthi, Udaya Kumar Raju Ratnakaram, Punit Srivastava, Jian James Chen
  • Publication number: 20220295018
    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: Application
    Filed: June 2, 2022
    Publication date: September 15, 2022
    Inventors: Udaya Kumar Raju Ratnakaram, Mohammed Zubair Mohammed Ajmal, Amit Mishra, Krithika Viswanathan
  • Patent number: 11438251
    Abstract: An exception-resolution monitoring system determines an exception error is detected corresponding to a failed transmission of a message between servers of a distributed network. Changes are monitored that are tested and implemented to correct the detected exception errors. An executable corrective action is determined based on the monitored changes. The executable action is stored for future use and linked to a root cause of the exception error and properties of the distributed network at the time of the exception error.
    Type: Grant
    Filed: February 28, 2022
    Date of Patent: September 6, 2022
    Assignee: Bank of America Corporation
    Inventors: Udaya Kumar Raju Ratnakaram, Amit Mishra, Krithika Viswanathan, Sarvari Tadimalla
  • Patent number: 11411805
    Abstract: A system for detecting a root cause of an exception error in a task flow in a distributed network receives communication data exchanged among servers. The system determines whether each message is received by a respective server based on acknowledgement data that indicates whether each message is received by a respective server. The system determines the sequence of the messages communicated between the servers. The system determines that a first server has reported an exception error that indicated the first server did not receive a message from a second server. The system determines that the second server is associated with a root cause of the exception error in response to determining that the second server did not send the message to the first server.
    Type: Grant
    Filed: July 12, 2021
    Date of Patent: August 9, 2022
    Assignee: Bank of America Corporation
    Inventors: Udaya Kumar Raju Ratnakaram, Amit Mishra, Krithika Viswanathan
  • Patent number: 11392684
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for authentication of user activities based on establishing communication links between network devices. The invention is structured for dynamically authenticating transmitted activity processing data based on establishing seamless electronic communication handshake between network devices and without requiring user intervention. Specifically, the invention is structured to establish an operative communication link between the second networked device and the user device, wherein establishing the operative communication link comprises establishing a handshake between an entity intelligent platform associated with the second networked device and the multi-channel cognitive resource platform of the user device. Moreover, the invention is structured to authenticate the first activity for based on the identified code match.
    Type: Grant
    Filed: July 9, 2020
    Date of Patent: July 19, 2022
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Udaya Kumar Raju Ratnakaram, Puneetha Polasa
  • Publication number: 20220217306
    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: Application
    Filed: January 1, 2021
    Publication date: July 7, 2022
    Inventors: Udaya Kumar Raju Ratnakaram, Mohammed Zubair Mohammed Ajmal, Amit Mishra, Krithika Viswanathan
  • Patent number: 11381783
    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: January 1, 2021
    Date of Patent: July 5, 2022
    Assignee: Bank of America Corporation
    Inventors: Udaya Kumar Raju Ratnakaram, Mohammed Zubair Mohammed Ajmal, Amit Mishra, Krithika Viswanathan
  • Publication number: 20220201478
    Abstract: Intelligent systems for detecting SIM swap in mobile devices, wherein if a user requests access to an account via a mobile device, a mobile device application (MDA) sends the request along with mobile device ID and IMSI. If all information received from the MDA matches information stored in memory, the user can access the account. If the mobile device ID or IMSI received from the MDA do not match the mobile device ID or IMSI stored in memory, a social intelligence module compares a mobile device user profile with a profile for a user associated with the account ID. If the mobile device user profile matches or is within a confidence level of the profile for the user associated with the account ID, the user can access the account. Otherwise, additional methods to validate the user may be implemented to prevent possible fraudsters from accessing the account.
    Type: Application
    Filed: March 14, 2022
    Publication date: June 23, 2022
    Inventors: Udaya Kumar Raju Ratnakaram, Praveena Maddamsetty
  • Publication number: 20220192646
    Abstract: Various embodiments of a spinal shield having a shield body including a plurality of lateral extensions configured to be positioned over an exposed spinal canal for establishing a protective barrier around the contents of the exposed spinal canal are disclosed.
    Type: Application
    Filed: March 14, 2022
    Publication date: June 23, 2022
    Inventors: Michael A. Bohl, Randall Porter, Udaya Kumar Kakarla
  • Patent number: 11354640
    Abstract: Systems for contactless authentication and event processing are provided. In some examples, functionality of a self-service kiosk may be requested. In response, a user may be authenticated and a first interactive user interface may be generated and displayed by the self-service kiosk. A second, different interactive user interface may be generated and transmitted for display by an event processing device. A user may select an option displayed by the event processing device. The user selection may be made via the second interactive user interface. The user selection may then cause the self-service kiosk to execute the selected function.
    Type: Grant
    Filed: July 6, 2020
    Date of Patent: June 7, 2022
    Assignee: Bank of America Corporation
    Inventors: Udaya Kumar Raju Ratnakaram, Sandeep Kumar Chauhan
  • Patent number: 11343259
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for dynamic stepped multi-level authentication. The invention is structured for progressively authenticating transmitted activity processing data over escalating authentication levels using electronic communications between network devices over separate communication channels. Specifically, the invention is structured to authenticate the first activity for a first authentication level based on determining a spatial congruence of the user device and the resource instrument device associated with the first activity. Moreover, the invention is structured to trigger a second authentication level requirement above the first authentication level based on at least the first authentication level and resource activity processing data.
    Type: Grant
    Filed: July 9, 2020
    Date of Patent: May 24, 2022
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Udaya Kumar Raju Ratnakaram, Puneetha Polasa
  • Patent number: 11341486
    Abstract: Embodiments of the present invention provide a system for secure transfer of encrypted resources and asynchronous execution. In general, a user initiates an event with a merchant system and requests a secure resource transfer process associated with the event. Encrypted initial event details are transmitted through an asynchronous command form the merchant system to a computing device of the user, and resource information is identified at the computing device of the user. The computing device of the user then transmits the event details and the resource information to an event processing system for final execution.
    Type: Grant
    Filed: May 21, 2018
    Date of Patent: May 24, 2022
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Udaya Kumar Raju Ratnakaram, Rajesh Balireddy, Pinak Chakraborty, Nagasubramanya Lakshminarayana
  • Patent number: 11328274
    Abstract: A system configured for managing a split transaction is disclosed. The system receives a request from a first user device associated with a first user to initiate a split transaction session between the first, second, and third users. A first user device associated with the first user includes second contact information associated with the second user. A second user device associated with the second user includes third contact information associated with the third user. The system receives an API request from the first user device to retrieve a third user profile. The system sends a request to the second user device to retrieve the third user profile. The second user device retrieves the third user profile and sends it to the system. The system retrieves the second and third user profiles and adds them to the split transaction session. The system conducts the split transaction session.
    Type: Grant
    Filed: July 28, 2020
    Date of Patent: May 10, 2022
    Assignee: Bank of America Corporation
    Inventors: Sandeep Kumar Chauhan, Udaya Kumar Raju Ratnakaram
  • Patent number: 11321063
    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 23, 2021
    Date of Patent: May 3, 2022
    Assignee: Bank of America Corporation
    Inventors: Naveen Kumar Reddy Murthi, Udaya Kumar Raju Ratnakaram, Punit Srivastava, Jian James Chen