Patents by Inventor Upul D. Hanwella

Upul D. Hanwella 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: 20250211589
    Abstract: A method may include receiving an indication that a user has authenticated at a physical authentication location, the user associated with a user profile and a user identifier; querying a database using the user identifier as input to determine if the user profile has an online user account of an online service; determining, based on the querying, that the user profile does not have an online user account of the online service; based on the determining, generating a 2D barcode encoded with a link to open a credential creation user interface on a computing device; receiving an indication of activation of the link from the computing device; and in response to the receiving, presenting on the computing device the credential creation user interface configured to receive a username and password for a new online user account of the online service.
    Type: Application
    Filed: December 22, 2023
    Publication date: June 26, 2025
    Inventors: Upul D. Hanwella, Kimberly R. Nelson, Matthew N. Wheeler
  • Patent number: 12341781
    Abstract: Systems and methods may generally be used to automatically curate a blocklist of internet protocol (IP) addresses. An example method may include using risk factor scores for a particular IP address that was blocked by a traffic control component to determine whether to add the particular IP address to a blocklist. The example method may include, in response to a determination to add the particular IP address to the blocklist, generating an IP address entry in the blocklist for the particular IP address, the IP address entry optionally including a corresponding time-based expiration. The example method may include outputting the blocklist or the IP address entry, such as in response to a request from a firewall.
    Type: Grant
    Filed: June 14, 2024
    Date of Patent: June 24, 2025
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Upul D. Hanwella, Shawna K. Murphy Butterworth, Bryan D. Hall, James Condron Hudson, Christian Tobias Sorensen, Samantha T. Grosby, Nicola A. Maiorana, Richard Joseph Schroeder, Shailesh Hedaoo, William Norton Hebert
  • Publication number: 20250158829
    Abstract: A device linked session connects the entity, whether device, application, or other, to a request for a session token. In subsequent uses of the token, the device identity is checked to avoid a token being used by an entity that did not request the token.
    Type: Application
    Filed: November 9, 2023
    Publication date: May 15, 2025
    Inventors: Navin Argulkar, Upul D. Hanwella, Chintan Mehta, Anil K. Mishra
  • Patent number: 12218943
    Abstract: Systems, methods, and apparatuses for authenticating requests to access one or more accounts over a network using authenticity evaluations of two or more automated decision engines are discussed. A login request for access to a user account may be submitted to multiple decision engines that each apply different rulesets for authenticating the login request, and output an evaluation of the authenticity of the login request. Based on evaluations from multiple automated decision engines, the login request may be allowed to proceed to validation of user identity and, if user identity is validated, access to the user account may be authorized. Based on the evaluations, the login attempt may also be rejected. One or more additional challenge question may be returned to the computing device used to request account access, and the login request allowed to proceed to validation of identity if the response to the challenge question is deemed acceptable.
    Type: Grant
    Filed: November 27, 2023
    Date of Patent: February 4, 2025
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Mark David Castonguay, Upul D. Hanwella, Bryan Hall, Nicola A. Maiorana, David Lerner
  • Patent number: 12143368
    Abstract: Techniques are described that include detecting customer personal information within any appropriate set of data, such as customer communications produced by customer-facing services offered by an organization. Once detected, the customer personal information may be tokenized within the customer communications, making the data appropriate for external systems, such as cloud-hosted applications. The disclosed techniques include a masking service that may be plugged into an on-premises pipeline of any customer-facing service that makes requests to an off-premises, cloud-hosted application. The masking service may apply rule-based detection and/or machine learning-based detection to detect both structured and unstructured customer personal information included in customer communications. The masking service may further tokenize or otherwise obfuscate or replace the detected customer personal information.
    Type: Grant
    Filed: November 29, 2023
    Date of Patent: November 12, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Chintan Mehta, Michelle Moore, Ramakrishna Swarup Pogalur, Kunal Jha, Kapil Soni, Venkatesan Chinnaraju, Upul D. Hanwella, Ranganathan Kanchi
  • Patent number: 12120269
    Abstract: Disclosed are methods, systems, and machine-readable mediums which provide for customer chatbots that detect a customer handoff condition and in response, transferring the customer to a communication session with a live agent. The handoff condition may comprise an inability to understand the customer, an inability to answer the customer's question, expressions of frustration or anger on the part of the customer, a customer's express request to be transferred, or the like. The live agent may receive a complete history of the conversation with the chatbot so that the customer does not have to repeat him or herself to the live agent. The chatbot chat session may be linked to a social networking account of the customer and may take place in association with a social networking profile page of the company.
    Type: Grant
    Filed: July 6, 2023
    Date of Patent: October 15, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Kristin H. Deegan, Matthew G. Vanhouten, Uma Meyyappan, Jennifer Toby Whateley, Balinder Singh Mangat, Upul D. Hanwella, Kimarie Pike Matthews, Maria J. Latorre, Scott Edward Pitchford
  • Publication number: 20240340286
    Abstract: Systems and methods may generally be used to automatically curate a blocklist of internet protocol (IP) addresses. An example method may include using risk factor scores for a particular IP address that was blocked by a traffic control component to determine whether to add the particular IP address to a blocklist. The example method may include, in response to a determination to add the particular IP address to the blocklist, generating an IP address entry in the blocklist for the particular IP address, the IP address entry optionally including a corresponding time-based expiration. The example method may include outputting the blocklist or the IP address entry, such as in response to a request from a firewall.
    Type: Application
    Filed: June 14, 2024
    Publication date: October 10, 2024
    Inventors: Upul D. Hanwella, Shawna K. Murphy Butterworth, Bryan D. Hall, James Condron Hudson, Christian Tobias Sorensen, Samantha T. Grosby, Nicola A. Maiorana, Richard Joseph Schroeder, Shailesh Hedaoo, William Norton Hebert
  • Publication number: 20240330904
    Abstract: Securing digital assets in a vault that interfaces with multiple different third-party wallets to store keys/mnemonics. The vault interface accepts input from multiple different party wallets to combine multiple encryptions and secure storage techniques. Numerous cryptographic mechanisms are employed to securely pull a mnemonic phrase from a third-party wallet and into an institution's vault. A customer's mnemonic phrase is securely transported from a personal wallet into a secured institution's encrypted vault using the power of HSM to encrypt and decrypt a customer's mnemonic phrase securely.
    Type: Application
    Filed: June 6, 2024
    Publication date: October 3, 2024
    Inventors: Todd Steven Biggs, Phillip H. Griffin, Upul D. Hanwella, Mabel Oza, Luiz Silva, Jeff J. Stapleton, Richard Stec, Kurt Paul Stevens, Luis A. Suarez, Sean Xiang Zhang
  • Patent number: 12073386
    Abstract: Securing digital assets in a vault that interfaces with multiple different third-party wallets to store keys/mnemonics. The vault interface accepts input from multiple different party wallets to combine multiple encryptions and secure storage techniques. Numerous cryptographic mechanisms are employed to securely pull a mnemonic phrase from a third-party wallet and into an institution's vault. A customer's mnemonic phrase is securely transported from a personal wallet into a secured institution's encrypted vault using the power of HSM to encrypt and decrypt a customer's mnemonic phrase securely.
    Type: Grant
    Filed: July 8, 2021
    Date of Patent: August 27, 2024
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Todd Steven Biggs, Phillip H. Griffin, Upul D. Hanwella, Mabel Oza, Luiz Silva, Jeff J. Stapleton, Richard Stec, Kurt Paul Stevens, Luis A. Suarez, Sean Xiang Zhang
  • Patent number: 12058137
    Abstract: Systems and methods may generally be used to automatically curate a blocklist of internet protocol (IP) addresses. An example method may include using risk factor scores for a particular IP address that was blocked by a traffic control component to determine whether to add the particular IP address to a blocklist. The example method may include, in response to a determination to add the particular IP address to the blocklist, generating an IP address entry in the blocklist for the particular IP address, the IP address entry optionally including a corresponding time-based expiration. The example method may include outputting the blocklist or the IP address entry, such as in response to a request from a firewall.
    Type: Grant
    Filed: October 20, 2021
    Date of Patent: August 6, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Upul D. Hanwella, Shawna K. Murphy Butterworth, Bryan D. Hall, James Condron Hudson, Christian Tobias Sorensen, Samantha T. Grosby, Nicola A. Maiorana, Richard Joseph Schroeder, Shailesh Hedaoo, William Norton Hebert
  • Publication number: 20240259363
    Abstract: Systems and techniques for an system are described herein. In an example, an adaptive authentication system is adapted to receive a request at a first entity from a second entity for secure data of a user, where the second entity is remote from the first entity. The adaptive authentication system may be further adapted to transmit a prompt to a user device associated with the user for authentication of the user and authentication of the request. The adaptive authentication system may be further adapted to receive a response to the prompt and authenticate the user and the request based on the response. The adaptive authentication system may be further adapted to transmit the secure data of the user to the second entity.
    Type: Application
    Filed: April 11, 2024
    Publication date: August 1, 2024
    Inventors: Harlan H. Bloom, Lizmari Brignoni, Mark David Castonguay, Lisa Munter Clarke, Upul D. Hanwella, Traci H. Nguyen, Erica Ulrich
  • Patent number: 11973747
    Abstract: Systems and techniques for an adaptive authentication system are described herein. In an example, an adaptive authentication system is adapted to receive a request at a first entity from a second entity for secure data of a user, where the second entity is remote from the first entity. The adaptive authentication system may be further adapted to transmit a prompt to a user device associated with the user for authentication of the user and authentication of the request. The adaptive authentication system may be further adapted to receive a response to the prompt and authenticate the user and the request based on the response. The adaptive authentication system may be further adapted to transmit the secure data of the user to the second entity.
    Type: Grant
    Filed: May 12, 2023
    Date of Patent: April 30, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Harlan H. Bloom, Lizmari Brignoni, Mark David Castonguay, Lisa Munter Clarke, Upul D. Hanwella, Traci H. Nguyen, Erica Ulrich
  • Publication number: 20240129309
    Abstract: Techniques described herein include performing a distributed device trust determination that includes determining trust scores for customer devices across multiple organizations. In one example, this disclosure describes a method that includes receiving data of a user device event including an organization confidence level for a user device associated with the user device event; updating common data in an entry for the user device in a device registry based on the received data of the user device event and the organization confidence level for the user device; determining a common confidence level for the user device based on the common data in the entry for the user device in the device registry; and outputting the common confidence level for the user device for use by the computing device of the first organization to determine how to handle an access request from the user device.
    Type: Application
    Filed: October 17, 2023
    Publication date: April 18, 2024
    Inventors: Upul D. Hanwella, Ann M. Kirk, Ravi Thota, Shawn Patrick Clark, Azita Asefi, Alan W. Hecht, Anand Gopalan Kidambi
  • Publication number: 20240098069
    Abstract: Techniques are described that include detecting customer personal information within any appropriate set of data, such as customer communications produced by customer-facing services offered by an organization. Once detected, the customer personal information may be tokenized within the customer communications, making the data appropriate for external systems, such as cloud-hosted applications. The disclosed techniques include a masking service that may be plugged into an on-premises pipeline of any customer-facing service that makes requests to an off-premises, cloud-hosted application. The masking service may apply rule-based detection and/or machine learning-based detection to detect both structured and unstructured customer personal information included in customer communications. The masking service may further tokenize or otherwise obfuscate or replace the detected customer personal information.
    Type: Application
    Filed: November 29, 2023
    Publication date: March 21, 2024
    Inventors: Chintan Mehta, Michelle Moore, Ramakrishna Swarup Pogalur, Kunal Jha, Kapil Soni, Venkatesan Chinnaraju, Upul D. Hanwella, Ranganathan Kanchi
  • Publication number: 20240098092
    Abstract: Systems, methods, and apparatuses for authenticating requests to access one or more accounts over a network using authenticity evaluations of two or more automated decision engines are discussed. A login request for access to a user account may be submitted to multiple decision engines that each apply different rulesets for authenticating the login request, and output an evaluation of the authenticity of the login request. Based on evaluations from multiple automated decision engines, the login request may be allowed to proceed to validation of user identity and, if user identity is validated, access to the user account may be authorized. Based on the evaluations, the login attempt may also be rejected. One or more additional challenge question may be returned to the computing device used to request account access, and the login request allowed to proceed to validation of identity if the response to the challenge question is deemed acceptable.
    Type: Application
    Filed: November 27, 2023
    Publication date: March 21, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Mark David Castonguay, Upul D. Hanwella, Bryan Hall, Nicola A. Maiorana, David Lerner
  • Patent number: 11870757
    Abstract: Techniques are described that include detecting customer personal information within any appropriate set of data, such as customer communications produced by customer-facing services offered by an organization. Once detected, the customer personal information may be tokenized within the customer communications, making the data appropriate for external systems, such as cloud-hosted applications. The disclosed techniques include a masking service that may be plugged into an on-premises pipeline of any customer-facing service that makes requests to an off-premises, cloud-hosted application. The masking service may apply rule-based detection and/or machine learning-based detection to detect both structured and unstructured customer personal information included in customer communications. The masking service may further tokenize or otherwise obfuscate or replace the detected customer personal information.
    Type: Grant
    Filed: December 2, 2021
    Date of Patent: January 9, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Chintan Mehta, Michelle Moore, Ramakrishna Swarup Pogalur, Kunal Jha, Kapil Soni, Venkatesan Chinnaraju, Upul D. Hanwella, Ranganathan Kanchi
  • Patent number: 11831648
    Abstract: Systems, methods, and apparatuses for authenticating requests to access one or more accounts over a network using authenticity evaluations of two or more automated decision engines are discussed. A login request for access to a user account may be submitted to multiple decision engines that each apply different rulesets for authenticating the login request, and output an evaluation of the authenticity of the login request. Based on evaluations from multiple automated decision engines, the login request may be allowed to proceed to validation of user identity and, if user identity is validated, access to the user account may be authorized. Based on the evaluations, the login attempt may also be rejected. One or more additional challenge question may be returned to the computing device used to request account access, and the login request allowed to proceed to validation of identity if the response to the challenge question is deemed acceptable.
    Type: Grant
    Filed: December 12, 2022
    Date of Patent: November 28, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Mark David Castonguay, Upul D. Hanwella, Bryan Hall, Nicola A. Maiorana, David Lerner
  • Publication number: 20230353675
    Abstract: Disclosed are methods, systems, and machine-readable mediums which provide for customer chatbots that detect a customer handoff condition and in response, transferring the customer to a communication session with a live agent. The handoff condition may comprise an inability to understand the customer, an inability to answer the customer's question, expressions of frustration or anger on the part of the customer, a customer's express request to be transferred, or the like. The live agent may receive a complete history of the conversation with the chatbot so that the customer does not have to repeat him or herself to the live agent. The chatbot chat session may be linked to a social networking account of the customer and may take place in association with a social networking profile page of the company.
    Type: Application
    Filed: July 6, 2023
    Publication date: November 2, 2023
    Inventors: Kristin H. Deegan, Matthew G. Vanhouten, Uma Meyyappan, Jennifer Toby Whateley, Balinder Singh Mangat, Upul D. Hanwella, Kimarie Pike Matthews, Maria J. Latorre, Scott Edward Pitchford
  • Publication number: 20230283599
    Abstract: Systems and techniques for an adaptive authentication system are described herein. In an example, an adaptive authentication system is adapted to receive a request at a first entity from a second entity for secure data of a user, where the second entity is remote from the first entity. The adaptive authentication system may be further adapted to transmit a prompt to a user device associated with the user for authentication of the user and authentication of the request. The adaptive authentication system may be further adapted to receive a response to the prompt and authenticate the user and the request based on the response. The adaptive authentication system may be further adapted to transmit the secure data of the user to the second entity.
    Type: Application
    Filed: May 12, 2023
    Publication date: September 7, 2023
    Inventors: Harlan H. Bloom, Lizmari Brignoni, Mark David Castonguay, Lisa Munter Clarke, Upul D. Hanwella, Traci H. Nguyen, Erica Ulrich
  • Patent number: 11736612
    Abstract: Disclosed are methods, systems, and machine-readable mediums which provide for customer chatbots that detect a customer handoff condition and in response, transferring the customer to a communication session with a live agent. The handoff condition may comprise an inability to understand the customer, an inability to answer the customer's question, expressions of frustration or anger on the part of the customer, a customer's express request to be transferred, or the like. The live agent may receive a complete history of the conversation with the chatbot so that the customer does not have to repeat him or herself to the live agent. The chatbot chat session may be linked to a social networking account of the customer and may take place in association with a social networking profile page of the company.
    Type: Grant
    Filed: August 24, 2022
    Date of Patent: August 22, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Kristin H. Deegan, Matthew G. Vanhouten, Uma Meyyappan, Jennifer Toby Whateley, Balinder Singh Mangat, Upul D. Hanwella, Kimarie Pike Matthews, Maria J. Latorre, Scott Edward Pitchford