Patents by Inventor Vinay Nagaraj
Vinay Nagaraj 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: 20230063337Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for account authentication. A method includes receiving a user request to include financial data describing a financial account in an interface, the financial account being associated with a financial institution. The method further includes redirecting the user to a first webpage associated with the financial institution, where the user inputs into the first webpage login credentials for accessing the financial account. The method further includes, in response to the user inputting into the first webpage login credentials for accessing the financial account, receiving, from the financial institution, an access token other than the login credentials for accessing the financial account. The method further includes storing the access token for use in accessing and aggregating financial data describing the financial account.Type: ApplicationFiled: September 2, 2022Publication date: March 2, 2023Inventors: Shubha Pant, Nikhil Nadkarni, Vinay Nagaraj, Jordan Reed, Peter Hazlehurst
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Patent number: 11436668Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for account authentication. A method includes receiving a user request to include financial data describing a financial account in an interface, the financial account being associated with a financial institution. The method further includes redirecting the user to a first webpage associated with the financial institution, where the user inputs into the first webpage login credentials for accessing the financial account. The method further includes, in response to the user inputting into the first webpage login credentials for accessing the financial account, receiving, from the financial institution, an access token other than the login credentials for accessing the financial account. The method further includes storing the access token for use in accessing and aggregating financial data describing the financial account.Type: GrantFiled: July 3, 2019Date of Patent: September 6, 2022Assignee: Yodlee, Inc.Inventors: Shubha Pant, Nikhil Nadkarni, Vinay Nagaraj, Jordan Reed, Peter Hazlehurst
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Patent number: 10902365Abstract: Methods, systems and computer program products for identifying recurring series from transactional data are disclosed. An analytic server receives transactional data. The server reduces the transactional data to one or more series of transactions. The analytic server identifies one or more features in each series of transactions. The analytic server determines a respective recurrence score for each series of transactions based on training data. The recurrence score measures a likelihood that the series of transactions is a recurring series, in which transactions recur. The analytic server determines whether each series of transactions is a recurring series based on the respective recurrence score and a threshold. The analytic server predicts a future transaction based on the recurring series of transactions.Type: GrantFiled: July 11, 2017Date of Patent: January 26, 2021Assignee: Yodlee, Inc.Inventors: Chanpreet Singh, Harini Padmanabhan, Vinay Nagaraj, Prasad Vunnam
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Publication number: 20190392513Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for account authentication. A method includes receiving a user request to include financial data describing a financial account in an interface, the financial account being associated with a financial institution. The method further includes redirecting the user to a first webpage associated with the financial institution, where the user inputs into the first webpage login credentials for accessing the financial account. The method further includes, in response to the user inputting into the first webpage login credentials for accessing the financial account, receiving, from the financial institution, an access token other than the login credentials for accessing the financial account. The method further includes storing the access token for use in accessing and aggregating financial data describing the financial account.Type: ApplicationFiled: July 3, 2019Publication date: December 26, 2019Inventors: Shubha Pant, Nikhil Nadkarni, Vinay Nagaraj, Jordan Reed, Peter Hazlehurst
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Patent number: 10346902Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for account authentication. A method includes receiving a user request to include financial data describing a financial account in an interface, the financial account being associated with a financial institution. The method further includes redirecting the user to a first webpage associated with the financial institution, where the user inputs into the first webpage login credentials for accessing the financial account. The method further includes, in response to the user inputting into the first webpage login credentials for accessing the financial account, receiving, from the financial institution, an access token other than the login credentials for accessing the financial account. The method further includes storing the access token for use in accessing and aggregating financial data describing the financial account.Type: GrantFiled: March 6, 2017Date of Patent: July 9, 2019Assignee: Yodlee, Inc.Inventors: Shubha Pant, Nikhil Nadkarni, Vinay Nagaraj, Jordan Reed, Peter Hazlehurst
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Patent number: 10135804Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for automating the collection of user information for account aggregation. In one aspect, a method includes receiving, at a server computer system from a mobile device of a user, a first user request to access account information; receiving, at the server computer system from a provider computer system, a plury of mobile device applications; for each respective establishment of the plurality of establishments: storing, at the server computer system, establishment login credentials of the user to access account information of the user at a computer system of the respective establishment, and obtaining account information of the user at the respective establishment; aggregating, on the computer system, all the account information of the user from the respective mobile device application of each establishment; and providing to the mobile device the aggregated account information of the user.Type: GrantFiled: September 22, 2017Date of Patent: November 20, 2018Assignee: Yodlee, Inc.Inventors: Kirti Kumar, Vinay Nagaraj
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Publication number: 20180181895Abstract: Methods, systems and computer program products for identifying recurring series from transactional data are disclosed. An analytic server receives transactional data. The server reduces the transactional data to one or more series of transactions. The analytic server identifies one or more features in each series of transactions. The analytic server determines a respective recurrence score for each series of transactions based on training data. The recurrence score measures a likelihood that the series of transactions is a recurring series, in which transactions recur. The analytic server determines whether each series of transactions is a recurring series based on the respective recurrence score and a threshold. The analytic server predicts a future transaction based on the recurring series of transactions.Type: ApplicationFiled: July 11, 2017Publication date: June 28, 2018Applicant: Yodlee, Inc.Inventors: Chanpreet Singh, Harini Padmanabhan, Vinay Nagaraj, Prasad Vunnam
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Publication number: 20180013746Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for automating the collection of user information for account aggregation. In one aspect, a method includes receiving, at a server computer system from a mobile device of a user, a first user request to access account information; receiving, at the server computer system from a provider computer system, a plury of mobile device applications; for each respective establishment of the plurality of establishments: storing, at the server computer system, establishment login credentials of the user to access account information of the user at a computer system of the respective establishment, and obtaining account information of the user at the respective establishment; aggregating, on the computer system, all the account information of the user from the respective mobile device application of each establishment; and providing to the mobile device the aggregated account information of the user.Type: ApplicationFiled: September 22, 2017Publication date: January 11, 2018Inventors: Kirti Kumar, Vinay Nagaraj
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Patent number: 9774587Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for automating the collection of user information for account aggregation. In one aspect, a method includes receiving, at a server computer system from a mobile device of a user, a first user request to access account information; receiving, at the server computer system from a provider computer system, a plurality of mobile device applications; for each respective establishment of the plurality of establishments: storing, at the server computer system, establishment login credentials of the user to access account information of the user at a computer system of the respective establishment, and obtaining account information of the user at the respective establishment; aggregating, on the computer system, all the account information of the user from the respective mobile device application of each establishment; and providing to the mobile device the aggregated account information of the user.Type: GrantFiled: September 14, 2015Date of Patent: September 26, 2017Assignee: Yodlee, Inc.Inventors: Kirti Kumar, Vinay Nagaraj
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Publication number: 20170255993Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for account authentication. A method includes receiving a user request to include financial data describing a financial account in an interface, the financial account being associated with a financial institution. The method further includes redirecting the user to a first webpage associated with the financial institution, where the user inputs into the first webpage login credentials for accessing the financial account. The method further includes, in response to the user inputting into the first webpage login credentials for accessing the financial account, receiving, from the financial institution, an access token other than the login credentials for accessing the financial account. The method further includes storing the access token for use in accessing and aggregating financial data describing the financial account.Type: ApplicationFiled: March 6, 2017Publication date: September 7, 2017Inventors: Shubha Pant, Nikhil Nadkarni, Vinay Nagaraj, Jordan Reed, Peter Hazlehurst
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Publication number: 20170078259Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for automating the collection of user information for account aggregation. In one aspect, a method includes receiving, at a server computer system from a mobile device of a user, a first user request to access account information; receiving, at the server computer system from a provider computer system, a plurality of mobile device applications; for each respective establishment of the plurality of establishments: storing, at the server computer system, establishment login credentials of the user to access account information of the user at a computer system of the respective establishment, and obtaining account information of the user at the respective establishment; aggregating, on the computer system, all the account information of the user from the respective mobile device application of each establishment; and providing to the mobile device the aggregated account information of the user.Type: ApplicationFiled: September 14, 2015Publication date: March 16, 2017Applicant: Yodlee, Inc.Inventors: Kirti Kumar, Vinay Nagaraj
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Patent number: 9589298Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for account authentication. A method includes receiving a user request to include financial data describing a financial account in an interface, the financial account being associated with a financial institution. The method further includes redirecting the user to a first webpage associated with the financial institution, where the user inputs into the first webpage login credentials for accessing the financial account. The method further includes, in response to the user inputting into the first webpage login credentials for accessing the financial account, receiving, from the financial institution, an access token other than the login credentials for accessing the financial account. The method further includes storing the access token for use in accessing and aggregating financial data describing the financial account.Type: GrantFiled: February 21, 2013Date of Patent: March 7, 2017Assignee: Yodlee, Inc.Inventors: Shubha Pant, Nikhil Nadkarni, Vinay Nagaraj, Jordan Reed, Peter Hazlehurst
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Publication number: 20150073959Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for collaborative financial management, including instructions to display in a first region of a display of the device a name of a currently selected financial collaboration group out of multiple financial collaboration groups to which a user of the device is a member. Instructions to receive data representing events associated with the currently selected financial collaboration group, each event of the being one of a multiple of types. Instructions to display in a second region of the display of the device an ordered list of the events, wherein each item in the ordered list includes a visual indicia of an event type for the event corresponding to the item. Instructions to select a different financial collaboration group in response to a touch input in the first region of the display of the device.Type: ApplicationFiled: September 9, 2014Publication date: March 12, 2015Inventors: Eric Connors, Jose Antonio Buraschi, Katy Gibson, Vinay Nagaraj
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Publication number: 20140236792Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for account authentication. A method includes receiving a user request to include financial data describing a financial account in an interface, the financial account being associated with a financial institution. The method further includes redirecting the user to a first webpage associated with the financial institution, where the user inputs into the first webpage login credentials for accessing the financial account. The method further includes, in response to the user inputting into the first webpage login credentials for accessing the financial account, receiving, from the financial institution, an access token other than the login credentials for accessing the financial account. The method further includes storing the access token for use in accessing and aggregating financial data describing the financial account.Type: ApplicationFiled: February 21, 2013Publication date: August 21, 2014Applicant: YODLEE, INC.Inventors: Shubha Pant, Nikhil Nadkarni, Vinay Nagaraj, Jordan Reed, Peter Hazlehurst