Inventor

RATNAKARAM UDAYA KUMAR RAJU

IN48 patents

Patents

48 patents

US11880814B2Jan 23, 2024

Multi-computer system with dynamic authentication for optimized queue management based on facial recognition

BANK OF AMERICA2 citations70

US11381783B1Jul 5, 2022

Apparatus and methods for remote view of safe deposit box contents

BANK OF AMERICA2 citations69

US12299685B2May 13, 2025

Hosting account linking services to enable dynamic authentication and device selection

BANK OF AMERICA2 citations68

US11321063B1May 3, 2022

Web-based customer service via single-class rebuild

BANK OF AMERICA2 citations67

US11317282B2Apr 26, 2022

Intelligent method for sim-swap fraud detection and prevention

BANK OF AMERICA2 citations66

US10802973B1Oct 13, 2020

Data access tool

BANK OF AMERICA2 citations64

US11709765B1Jul 25, 2023

Intelligent test cases generation based on voice conversation

BANK OF AMERICA4 citations62

US12401641B2Aug 26, 2025

System and method for authenticating interactions with dynamically varying digital resources linked to resource distribution devices

BANK OF AMERICA0 citations61

US12041048B2Jul 16, 2024

System and method for authenticating interactions with dynamically varying digital resources linked to resource distribution devices

BANK OF AMERICA0 citations61

US11438251B1Sep 6, 2022

System and method for automatic self-resolution of an exception error in a distributed network

BANK OF AMERICA1 citations60

US11652961B2May 16, 2023

Apparatus and methods for remote view of safe deposit box contents

BANK OF AMERICA0 citations59

US11094174B1Aug 17, 2021

Intelligent processing of broken or failed ATM transactions

BANK OF AMERICA1 citations57

US12081975B2Sep 3, 2024

Intelligent method for SIM-swap fraud detection and prevention

BANK OF AMERICA0 citations56

US11669316B2Jun 6, 2023

Web-based customer service via single-class rebuild

BANK OF AMERICA0 citations56

US11757649B2Sep 12, 2023

Enhanced authentication framework using multi-dimensional hashing

BANK OF AMERICA0 citations52

US11527250B2Dec 13, 2022

Method and system for mobile data communication

BANK OF AMERICA0 citations52

US11494753B2Nov 8, 2022

Contactless event processing

BANK OF AMERICA0 citations52

US11354640B2Jun 7, 2022

Dynamically authorizing and processing contactless events

BANK OF AMERICA0 citations52

US11328274B2May 10, 2022

Data processing system and method for managing electronic split transactions using user profiles

BANK OF AMERICA0 citations52

US11816668B2Nov 14, 2023

Dynamic contactless payment based on facial recognition

BANK OF AMERICA0 citations51

US11704669B1Jul 18, 2023

Dynamic contactless payment processing based on real-time contextual information

BANK OF AMERICA0 citations51

US11411805B1Aug 9, 2022

System and method for detecting root cause of an exception error in a task flow in a distributed network

BANK OF AMERICA0 citations51

US11392684B2Jul 19, 2022

Authentication of user activities based on establishing communication links between network devices

BANK OF AMERICA0 citations51

US11343259B2May 24, 2022

Electronic system for dynamic stepped multi-level authentication

BANK OF AMERICA0 citations51

US12361430B2Jul 15, 2025

System for dynamic data encryption in an active network session

BANK OF AMERICA0 citations50

US12073376B2Aug 27, 2024

Light-weight and secure payment processing using a low-power wide-area networking protocol

BANK OF AMERICA0 citations50

US12028203B2Jul 2, 2024

Self-resolution of exception errors in a distributed network

BANK OF AMERICA0 citations50

US11599627B2Mar 7, 2023

System employing smart device for secure and authenticated event execution

BANK OF AMERICA0 citations50

US11289080B2Mar 29, 2022

Security tool

BANK OF AMERICA0 citations50

US11017064B2May 25, 2021

Authentication using interprogram communication

BANK OF AMERICA0 citations50

US12437304B2Oct 7, 2025

Intelligent coordination of transaction processing in a multi-device network

BANK OF AMERICA0 citations49

US12190368B2Jan 7, 2025

Multi-computer system for optimized queue management based on facial recognition

BANK OF AMERICA0 citations49

US11907928B2Feb 20, 2024

Methods, devices, and systems for mobile device operations during telephone calls

BANK OF AMERICA0 citations49

US12230110B2Feb 18, 2025

Queue management for pre-staged transactions at ultra-wide enabled ATMs

BANK OF AMERICA0 citations48

US12142268B2Nov 12, 2024

Multicomputer system providing voice enabled event processing

BANK OF AMERICA0 citations48

US12058249B2Aug 6, 2024

Pre-staged transactions with ultra-wideband networking and haptic feedback

BANK OF AMERICA0 citations48

US11341486B2May 24, 2022

System for secure transfer of encrypted resources and asynchronous execution

BANK OF AMERICA0 citations48

US11769127B2Sep 26, 2023

Intelligent processing of broken or failed ATM transactions

BANK OF AMERICA0 citations47

US11962706B2Apr 16, 2024

Hosting account linking services to enable dynamic authentication and multi-computer event processing

BANK OF AMERICA0 citations46

US11914498B2Feb 27, 2024

Selective induction of binary code at run-time for web-based customer service

BANK OF AMERICA0 citations46

US11551213B1Jan 10, 2023

Specialized transaction execution via assistive devices

BANK OF AMERICA0 citations45

US12169837B2Dec 17, 2024

Verifying external accounts in real-time using dynamic smart contracts

BANK OF AMERICA0 citations44

US11556320B2Jan 17, 2023

Electronic system for dynamic analysis and detection of transformed transient data in a distributed system network

BANK OF AMERICA0 citations41

US11244169B2Feb 8, 2022

System for executing multiple events based on video data extraction and evaluation

BANK OF AMERICA0 citations41

US10366279B2Jul 30, 2019

System for execution of multiple events based on image data extraction and evaluation

BANK OF AMERICA0 citations40

RATNAKARAM UDAYA KUMAR RAJU

Patents

IoT-enabled digital payments

System for cross channel data caching for performing electronic activities

Developer test environment with containerization of tightly coupled systems

Multi-computer system with dynamic authentication for optimized queue management based on facial recognition

Apparatus and methods for remote view of safe deposit box contents

Hosting account linking services to enable dynamic authentication and device selection

Web-based customer service via single-class rebuild

Intelligent method for sim-swap fraud detection and prevention

Data access tool

Intelligent test cases generation based on voice conversation

System and method for authenticating interactions with dynamically varying digital resources linked to resource distribution devices

System and method for authenticating interactions with dynamically varying digital resources linked to resource distribution devices

System and method for automatic self-resolution of an exception error in a distributed network

Apparatus and methods for remote view of safe deposit box contents

Intelligent processing of broken or failed ATM transactions

Intelligent method for SIM-swap fraud detection and prevention

Web-based customer service via single-class rebuild

Enhanced authentication framework using multi-dimensional hashing

Method and system for mobile data communication

Contactless event processing

Dynamically authorizing and processing contactless events

Data processing system and method for managing electronic split transactions using user profiles

Dynamic contactless payment based on facial recognition

Dynamic contactless payment processing based on real-time contextual information

System and method for detecting root cause of an exception error in a task flow in a distributed network

Authentication of user activities based on establishing communication links between network devices

Electronic system for dynamic stepped multi-level authentication

System for dynamic data encryption in an active network session

Light-weight and secure payment processing using a low-power wide-area networking protocol

Self-resolution of exception errors in a distributed network

System employing smart device for secure and authenticated event execution

Security tool

Authentication using interprogram communication

Intelligent coordination of transaction processing in a multi-device network

Multi-computer system for optimized queue management based on facial recognition

Methods, devices, and systems for mobile device operations during telephone calls

Queue management for pre-staged transactions at ultra-wide enabled ATMs

Multicomputer system providing voice enabled event processing

Pre-staged transactions with ultra-wideband networking and haptic feedback

System for secure transfer of encrypted resources and asynchronous execution

Intelligent processing of broken or failed ATM transactions

Hosting account linking services to enable dynamic authentication and multi-computer event processing

Selective induction of binary code at run-time for web-based customer service

Specialized transaction execution via assistive devices

Verifying external accounts in real-time using dynamic smart contracts

Electronic system for dynamic analysis and detection of transformed transient data in a distributed system network

System for executing multiple events based on video data extraction and evaluation

System for execution of multiple events based on image data extraction and evaluation